Can I call a customer if they say not to?

Question

I work for a small Bank. We loan money to customers. Some customers become late with payments and we call them at home and work. I've had 1 or 2 say to cease call them. My manager said that if the customer has an established relationship with our bank, and we are trying to collect on a loan, we can continue to call the customer. Is this true? Or would we be breaking the "Do Not Call Registry" law?

Answer 1

Loan collection does not fall under the "do not call" listing.

Answer 2

I used to be a bill collector so I hope my answer helps you.

The do not call registry does not pertain to any sort of collections. It's only for solicitors and those survey calls that everyone hates.

Now if the guy request no calls you can follow up with written correspondence and wait until the bill is a little more past due.

When you do call him you should be reading him his rights from the fair debt act. I don't rember them fully but if you look at the bottom of one of your bills it should be written on the bottom.

Answer 3

The Do Not Call Registry doesn't apply at all. They are doing business with you.

And since the bank is the original creditor, they can't tell you to cease and desist calling to collect.

Answer 4

In most states if the dead beat says that their employer will not allow calls at work, then you have to abide by that.

Bill collectors are always allowed to call non-payers at home. When you sign up for the debt you sign up for the calls if you don't pay.

Finally, if you want to keep your job, do what your boss says, it wouldn't be your butt if the government shuts down your boss, and they won't do it anyway, the law is on the bill collectors side.

Answer 5

Refer to the Fair Credit Reporting Act.

Answer 6

Give them two weeks and then call if they haven't paid.

Answer 7

Nope, you can call them.

Go to the donotcall.gov website and read the rules.