I dont want to give this debt collector my work address. They have my home address and phone number.. what are the laws on this. HELP>. they are pushy.
2006-12-15 10:17:57 · 7 answers · asked by BeezKneez 3 in Business & Finance ➔ Credit
Now I not sure if it is required but..
HOW MAY A DEBT COLLECTOR CONTACT YOU?
A collector may contact you in person, by mail, telephone, telegram,or FAX. However, a debt collector may not contact you at unreasonable 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.
2006-12-15 10:27:59 · answer #1 · answered by rob u 5 · 0⤊ 0⤋
Ask yourself why a debt collector wants your work phone number/information????
Because when you get sued they know where to go to garnish your wages!~
DO NOT even talk to a debt collector! If you must, do it in writing.
The only think a debt collector needs to know is if/when you are going to pay. Any other information will be used to harrass you or forcably collect the debt.
2006-12-15 11:10:38 · answer #2 · answered by Anonymous · 0⤊ 0⤋
Information to give to them? None .. they should have all the information about you that they need from the person that hired them to collect the debt.
If you tell them you are working, they can locate you through your SS # so the more information you tell them, the more they can find in other ways.
They will call family, friends I even know of one person that told me they looked up the phone number of people on their road and started calling neighbors.
If they start to hound you with calls, tell them to not call you anymore. Tell them you are going to work with the company you owe money to and hang up.
Collectors have to follow the guidelines of the Fair Debt Collection Practices Act (FDCPA) If you feel they have violated the law, I have provided a link that you can read up on the law and also report them.
Good Luck,
2006-12-15 10:40:22 · answer #3 · answered by Me Y 2 · 0⤊ 0⤋
Under the Fair Debt Collections Practices Act, you have a right to ask not to be contacted in any way, shape or form. Simply write a "cease and desist" letter, also known as a "C&D". One sentence will do it:
"According to my rights under the FDCPA, do not contact me again about this debt in any way, shape or form."
That's it. They cannot call you at home, work or write you a letter. If they contact you in any way (except to notify you they are suing you) they are breaking the law. Btw, you do not have to give a debt collector ANY information.
2006-12-15 11:07:37 · answer #4 · answered by Kevin K 3 · 0⤊ 0⤋
Your work address is not a requirement. Before you tell the credit agency, you need to read up on repairing your credit. Listed below is a site I have found helpful. The reason I am telling you to read up first, is so that you don't accidently lengthen your statute of limitations (the amount of time they can sue you).
2006-12-15 16:29:30 · answer #5 · answered by Mariposa 7 · 0⤊ 0⤋
don't give them any work information. they already harass you at home, they will do it at work also. if you owe the debt, set up a payment schedule and the harassment will stop. it may seem like a daunting task but they dont want to call you 24/7. they just want you to pay. if you dont owe the debt, gather up your evidence, submit it and tell them to stop calling
2006-12-15 10:27:31 · answer #6 · answered by morequestions 5 · 1⤊ 0⤋
all you have to do is tell them not to bother you anymore with phone calls and they have to stop. if they continue to bother you after you tell them then you have the right to sue them so make sure you keep a record of when and to whom you told not to call.
also you don't have to disclose any information to them.
2006-12-15 10:22:44 · answer #7 · answered by george 2 6 · 0⤊ 0⤋