Debt Collection Calls At Work

Many consumers have the same problem – paying their bills. 
Needless to say, this is a common problem when unemployment is at
an all time high.  Americans are struggling to pay their
bills, the ones who are lucky enough to have jobs are working hard
to keep them.  No one wants collection calls at work
threatening their employment.  But if they start to call you
at work, you wonder – is this legal?

Under the
Fair Debt Collection Practices Act, debt collectors have
specific rules they must follow.  One, in particular, is not
call the consumer’s place of work “if the debt collector knows or
has reason to know that the consumer’s employer prohibits” such
calls.  In other words, if you  or anyone at your
employment told the collector that such calls are prohibited, the
collection calls at your job must stop.  If not, the collector
is violating
15 U.S.C. §1692c(a)(3) by continuing to call you at
work. 

The collector could also be violating another provision of the

FDCPA by calling you at work.  If the collector is
discussing your debt to a third party, whether it is a co-worker,
boss, family or friend, they are violating
15 U.S.C. §1692b(2) and
15 U.S.C. §1692c(b).  The only reason a collector can call
a third party is to confirm or correct location information for the
consumer. 15 U.S.C. §1692b(1)

Another important factor to determine the legality of the calls
under the
FDCPA is who is calling you.  Under the FDCPA, the caller
needs to be a debt collector and not an original creditor. 
15 U.S.C. §1692a(6)

If a debt collector continues to call you at work after
expressly telling them to stop, you have rights.  You can sue
them under the
FDCPA.  For a free case
review, contact SmithMarco,P.C. SmithMarco, P.C., has
over 30 years of combined experience practicing law protecting the
rights of consumers around the country. We can sue on your behalf
incurring no out of pocket costs and obtaining up to $1000 for
violations.  Call today!