Can a Debt Collector Call Me at Work?
Can a debt collector call you at work? The answer is usually a big fat NO!
Debt collectors are usually NOT allowed to call you at work. Collection calls to work can cause folks extreme embarrassment, impaired workplace reputation, and even job loss. Debt collectors use workplace calls as a tactic to force people to pay them out of sheer pressure. Typically, that pressure is not acceptable and is a violation of your consumer rights.
A debt collector ONLY has permission to contact you at work if you have provided that EXACT debt collector with WRITTEN permission to call your work. It doesn’t count if you provided the original creditor with written permission (i.e. providing your workplace contact information on an application for a credit card), the debt collector has to get your written permission directly. A debt collector also has permission to call your work if a final judgment has been entered against you.
Beyond those two extremely limited situations, debt collector calls to work can be a blatant violation of your consumer rights under the Fair Debt Collection Practices Act (“FDCPA”). A violation of your consumer rights turns the tables against the debt collector—YOU can sue THEM for their violation!
An FDCPA violation can require the debt collector to pay you a maximum of $1,000.00 in statutory damages. In some situations, debt collectors in violation of the FDCPA may also waive the underlying debt, or even delete negative credit reporting.
Our office can represent you in an FDCPA claim against a debt collector on a contingency basis. This means that we only get paid if we win and you get paid! With little to no risk to you, let us help you turn the tables against a debt collector for violation of your consumer rights.
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