Can i get my creditors in trouble for calling me at work when i told them i cannot have personnal phone calls?

Answer 1

If you tell them NOT to contact you at work then by law they cannot contact you and that is considered harassment.

Answer 2

YES! I was actually looking some of this up the other day!
I also found out that if the collector calls you and speaks to you they cannot call you again that same day unless you request them to.

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Communications with Debtor

A collector should:
* state that the communication is an effort to collect a debt.
* not contact the debtor at an unusual or inconvenient time or place such as before 8 a.m. and after 9 p.m.
* not contact a debtor directly if he is informed the debtor has retained an attorney.
* not contact a debtor at work if he knows that the debtor's employer prohibits collection calls at work.

(sue-debt-collectors.com)

even more info is at:
http://www.ftc.gov/bcp/conline/pubs/credit/fdc.htm

Can you stop a debt collector from contacting you?
You can stop a debt collector from contacting you by writing a letter to the collector telling them to stop. Once the collector receives your letter, they may not contact you again except to say there will be no further contact or to notify you that the debt collector or the creditor intends to take some specific action. Please note, however, that sending such a letter to a collector does not make the debt go away if you actually owe it. You could still be sued by the debt collector or your original creditor.

and
Where can you report a debt collector for an alleged violation?
Report any problems you have with a debt collector to your state Attorney General' s office and the Federal Trade Commission. Many states have their own debt collection laws, and your Attorney General' s office can help you determine your rights.



The FTC works for the consumer to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit www.ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters Internet, telemarketing, identity theft, and other fraud-related complaints into Consumer Sentinel, a secure, online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.

Answer 3

Do you work in "personnel?" Is that why you get "personnal" phone calls. If you mean personal phone calls, they have every right to try to contact you regarding your defaults. In fact, they may be contacting your employer soon to try to work out a payment system garnishing your wages, particularly if you owe money to the IRS.

Answer 4

Well that's tricky. You can send a letter stating that you do not want to receive harassing phone calls at your job or work. Your letter can simply state that if they wish to contact you in regards to your bill, that they may do so by mail and that you do not wish to talk via the telephone anymore. If they don't comply with the letter then you have a legal right to sue.

Answer 5

You have to notify the debt collector in writing that you do not want calls at work. Send it verified mail, return receipt. Keep a copy.

If it is a creditor, you have to rely on state law, but it is probably the same.

Answer 6

in case you reside in Canada, the regulation states that lenders can no longer call 3 to ten cases in an afternoon. they won't call on Sundays. Nor can they call between the hours of 9 pm and eight am. while you're 25, why no longer declare financial ruin. Its on your credit raing for 7 years. Or extra advantageous yet, discover an element time activity which will artwork around your college time table. you may would desire to declare good bye weekends and trip trips.

Answer 7

Not in trouble, but technically they can argue that this may be the only number they have to contact you. Legally, if they have provided a service, they are intitled to use your personal information to collect the debt. Give them an alternative number, and speak with a manager. But the only way to truely avoid it is to of course pay up.

Answer 8

Yes, but you would have to prove that you asked them to stop. Send them a certified letter requested that they cease contact immediately, then call your state's attorney general if they continue.

Answer 9

My friend had someone from work say that she didn't work there anymore. Then they blew up her cell phone, but it's better than being embarrassed at work!

Answer 10

If you send them a letter requesting that they not call. you can sue them if they do afterwards, includes home or at work.