Is it Legal for Creditors to Call Me at Work?

By SupportAgent User

Nothing is more annoying that receiving calls from debt collectors. There is no good time to talk to a debt collector, but one of the worst times is most certainly at work. Not only are such calls irritating and frustrating, but in some cases it is not legal for creditors to call you at work.

Whether the person trying to collect the debt is the original creditor or a debt collector determines which laws apply. Debt collectors are companies that are hired by the original creditor to collect a debt. Generally speaking, these companies are not able to contact you at work if they know or have reason to know that your workplace prohibits calls for the purpose of debt collection. If a debt collector keeps calling after being warned, the debtor can sue the creditor often seeking penalties in the amount of $1,000 per instance.

If the person trying to collect the debt is the actual person whom you owe money, they are given a little more leeway in trying to collect the debt. Yet, the Federal Trade Commission (FTC) does prohibit even original creditors from contacting debtors at work if the creditor knows or has reason to know that the employer prohibits this type of call. The FTC, however, does not provide a mechanism to sue the creditor. Instead, the debtor can file a complaint with the FTC.

If you are being harassed at work by a debt collector or a creditor, you may have a cause of action against them. To find out more, contact an experienced attorney today.

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