collection agencys?

Question

do you think collection agencys are allowed to call you at work and demand payment over the phone?

Answer 1

Yes they are, unless you tell them otherwise. If they call you at work, tell them you aren't allowed to receive personal phone calls. If they persist, report them to the attorney general.

Answer 2

Some people started eating **** and say it is completely legal etc. Do not believe all that. A collection agency is third rated stranger, U have no relationship or contact with him. Only the bank has contacts with U. They have no business to call u over phone then only they can visit ur work place or residence.

Tell me where in American law states without a court order a stranger or a third party has a right to speak to u or call u on behalf of the bank. It is absurd.

At the same time do not even talk to the collection guy, because at any point of time they want to engage U. Hence warn them once second time talk to the police and file a COMPLAINT UR BEING THREATENED AND HARASSED. aLWAYS KEEP A LAWYER AT HAND IT HeLPS. dO NOT BELIEVE STORIES. beawre

Answer 3

No - that is harrassment. Tell them to stop calling you at work and keep track of when and who you talk to. Repeated calls on their part can get them in big trouble.

NEVER make a payment through a collection agency - ONLY pay the firm who you owe the money to. Refusal to work with a collection agency is not illegal. Work only with the company that you are in debt to. As long as you make monthly payments and never miss a month - they have little legal recourse. They can continue to add finance charges though.

Good luck.

Answer 4

Man! You people!!!!!

JayK, is classic. She almost makes it sound like harrassing people is her favorite part of the job. "Wait until they actually send a debt collector to your workplace."

I don't know Ausi laws, I concentrate on the US laws. If that's how you guys do it down under, maybe you need to do some changes.

OK class, lets all open our books to the section on the Fair Debt Collections Act (See Below)

See the loophole? If the collection agent doesn't know he can't call, he will call you and harrass you at work.

Telling him on the phone to quit calling is not sufficient. Most collection agents are retarded and don't have a good memory retention (except your balance), and will simply say you never told them to quit calling.

Therefore, it's necessary for you to send the collection agent a letter, certified mail/return receipt, telling him to "cease and desist" communications at work because your employer prohibits it. Once they receive this letter, if they call you again they are in violation of the FDCA and can be sued in small claims court for $1000.

This should solve your problem. Good luck.

Answer 5

To get them to not call you at work, send a letter stating such in a certified letter mailing. Make a copy also, this will show them that you are serious and cannot receive calls at work. Also, you can tell them over the phone that you cannot receive calls at work. If they persist, you can report to the Attorney General in the state of the collection agency, your state, and the BBB.

Answer 6

They sure are allowed to.

Rules are different here in Australia but they can call you anytime from 8 am to 9pm at night on any phone number they want.

I worked in colllections for 5 years. Just pay it and save yourself the embarrassment. Or try to come to an arrangement and stick to it. If you lie and don't pay when you say you are going to they will chase you even harder. You think a phone call at work is embarrassing? Wait until they actually send a debt collector to your workplace.

Answer 7

As far as i am aware, if collection agencies keep calling you at your place of work, then it would be classed as harassment. Even so, it is advisable to contact agency or company and arrange payment plan.

Answer 8

They can do precisely that. What they cannot do is speak to one of your managers or coworkers and reveal that you owe a debt.

Also, you have the right to request that they no longer contact you at work, or at any number at any time of day that you deem to be inconvenient to you. This right is granted to you under the Fair Debt Collection Practices Act. I recommend informing them of your rights in writing.

You may have several options on dealing with your collectors.

Answer 9

A collector may contact you in person, by mail, telephone, telegram, or fax. However, a debt collector may not contact you at inconvenient times or places, such as before 8 a.m. or after 9 p.m., unless you agree. A debt collector also may not contact you at work if the collector knows that your employer disapproves of such contacts.


http://www.ftc.gov/bcp/conline/pubs/credit/fdc.htm

Answer 10

Yes they're allowed. You have to let them know it's an inconvenience for you. Most of them require this in writing. Mail it certiified. Once you have prrof they've received it and they still call notify the atty general, and you can take them to small claims court.