Can a creditor call my employer to collect a debt?

Question

I recently had a creditor, (General revenue corporation) Call my work to find me, Is this legal?, it really burns me that they would bother me at work to collect a debt. Can I do anything to stop them from doing this in the future?

Answer 1

If I am not wrong, they can't call you. Hire a lawyer. They can call on your home number and that too only once in a day and if they do more than that, your lawyer should help you.

Since you seem to be under debt, I suggest you read these debt consolidation articles, as it might help:

Debt Consolidation - Get Out Of Debt
http://www.askaquery.com/Answers/qn1643.html

How to Hire a Debt Counselor?
http://www.askaquery.com/Answers/qn1584.html

What is Debt Relief?
http://www.askaquery.com/Answers/qn1583.html

Debt Management and Building Wealth
http://www.askaquery.com/Answers/qn1581

How to lower your debts?
http://www.askaquery.com/Answers/qn1576.html

How to reduce debt : How to lower your expenses?
http://www.askaquery.com/Answers/qn1577.html

Answer 2

Professional Collection Agencies are governed by Federal Law. The Fair Debt Collection Practices Act was enacted by Congress to protect consumers from unethical collection practices employed by some debt collectors. There is something called the FDIC Fair Debt Collection Act This act defines and identifies: Acceptable call times Disclosure Rights to dispute Allowable communications Harassment I do not believe Capital One would risk violating any of these rules. I therefore conclude the credit card debt has been sold to a collection company at a discount. These companies can be quite vigorous in their attempt to collect. Any money they receive from a frightened consumer is profit. You can research acceptable collection practices so you are familiar with the laws in California although this is a Federal Law. The next time they call you, ask them to hang on a second so you can activate your recorder. Ask the collectors name, company name, address, telephone number, the name of their boss, etc. Ask for their business license number. Basically, turn the tables. Then, armed with this information, file a complaint against the company. Better yet, make your son do it. Finally, check your own credit with one of the three reporting agencies to see if any of this has spilled over onto your credit rating.

Answer 3

Almost sure that you must find all financial clarification at: loanfocus.info-

RE Can a creditor call my employer to collect a debt?

I recently had a creditor, (General revenue corporation) Call my work to find me, Is this legal?, it really burns me that they would bother me at work to collect a debt. Can I do anything to stop them from doing this in the future?

Answer 4

A debt collector (meaning, a third-party debt collector, not the original creditor) cannot call you at work if he/she knows that your employer disapproves of you receiving such calls. Also, the debt collector cannot disclose your debt to anyone else (except you and your attorney, if you are represented by an attorney in relation to the debt).

So, the key is to let the debt collector know that your employer disapproves of you receiving such calls at work and document that you told the debt collector (get debt collector's name, collection agency's name, debt account and note the time and date that you informed them).

If the debt collector calls your work asking for you and, in the process of trying to locate you, discloses your debt (the fact that you have a debt) to someone else or if the debt collector calls your work after he/she was informed of your employer's disapproval of such calls, then the debt collector may be in violation of the Fair Debt Collection Practices Act.

Check out the Federal Trade Commission's web page on fair debt collection. It explains this issue and many other fair debt collection issues.

Answer 5

It is legal for them to contact your work when trying to locate you or insure that you do indeed work where you say you work. However, they cannot speak to anyone about your debt, nor can they discuss anything pertaining to it. If they contact you at work, tell them that you cannot speak to them as your workplace does not allow personal calls and they are placing your position in jeopardy when they contact you at work. Ask them politely to contact you only at home.

A word of advise though, don't let this problem linger too long without paying your bill, it will only get worse and the money you own will only increase. Contact a financial counselor if you need assistance, they can in many cases help you to reach a payment schedule that you can live with.

Answer 6

No, but they will call to confirm employment. Most of the time they mail a paper to your employer and try to confirm your status and even ask how much you earn. Employer is under no obligation to confirm that. However, if you get a judgement for garnishment against you, the court will send a letter to the company and tell them to take out X amount of dollars. In Georgia that amount is up to 25% of your pay which sucks!

Answer 7

They are not suppose to be able to harass you at work, however now that they know where you are they can petition the court to garnish your wages. Your employer can't refuse if it is court ordered.If I were you, I would eather go to a financial counseling service or a lawyer to get some help.Eather organization will be able to help you get a reduced amount to pay thus avoiding the garnishment of your salary. Good luck.

Answer 8

They can legally call you at work but not your supervisor. They are only allowed to call you once a day. You can stop the calls altogether. Send them a letter in which you inform them that you do not do business with collection agencies. Tell them that you do not want them calling you anymore. Inform them that they are forbidden by federal law from calling again once they have been so notified. Send it by certified mail so that you can prove they received it. After that, keep a log of dates and times they call. For each time they call after receiving the letter federal law provides for a fine of $500.00. And guess what - you get the money.

Answer 9

The collection agencies are ruthless. My uncle, whom I haven't seen in like 5 years, owes a ton of money. We have the same last name and lived at the same address for a while, so they call ME. I finally told them I was calling my lawyer.

Answer 10

No, they are not suppose to.Call them, tell them you can send them a dollar a month, that's all you can afford.Tell them your taking care of sick parents, children anything you want.They have to accept it.They are not allowed to call anywhere as long has they have heard from you and you worked out something with them.Good Luck!