Can a Debt Collector Contact me at Work or my Employer?
You hear your phone has been ringing non-stop. Your debt collector or anyone from your credit card company is calling you to inquire when you are going to pay the money you owe to them. The situation becomes worse when they start calling you at work or your employer. The nationwide collectors have the right to call you at work but only under certain limited circumstances.
A collection agency is permitted to call or mail you at work unless the debt collector knows or has reason to know that your employer prohibits you from receiving such communications. Under the FDCPA, the Debt receiver can call or contact your employer only to verify employment, or the amount of your earnings, or to communicate with an employer who has an established debt counselling service or procedure.
Debt collectors can also call you to find out whether you have medical insurance to cover a specific debt, or to garnish your wages. In order for the collection agency to garnish your wages they must first sue you and obtain a judgement against you. Many states want collectors to make such inquiries of your employer in writing. However, they may permit the collector to contact and call the employer if no response is received within a few weeks of the written inquiry.
Generally a liability antenna is not allowed to communicate with the employer without prior consent of the consumer given directly to the liability receiver. They are allowed to contact an employer after a final court judgement has been made on the debt or with the express permission of a court. Without these the debt collector cannot contact in connection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the attorney of the creditor, the creditor, or the attorney of the debt collector.
The FDCPA law prohibits the debt collector to reveal or discuss any debt related information to your employer. The law does not permit discussing your private debt matter with third parties. Any written statement sent to you at work must be marked “Personal and Confidential” and cannot reveal the reason for the call to your supervisors or any co-workers. If the debt collector makes repeated call to you at work, you can ask them to stop calling you at the office or write them a letter not to call you as your boss forbids such activity. Learn about the FDCPA laws which will help you to know when a debt collector has stepped out of his line and violated the Fair Debt Collection Practices Act.
The Fair Debt Collection Practices Act is government regulation that regulates the undertakings of those who assemble liabilities from others. National Asset Management is a professional Nationwide Consumer and Commercial Collection Agency in USA.
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