STRAIGHT SCOOP ON COLLECTORS CONTACTING YOU AT WORK

Can a debt collector call you at work? Usually, no. Here's the straight scoop on what they can and can't do, as far as calling you at work.

-A collector can NOT call YOU at work...if the debt collector knows its inconvenient.
What this means: You need to tell them its inconvenient. You don't need a long explanation. They can't argue with you. A simple "I cant take calls at work" will do. If they hassle you over it, it's a violation. But they need to know that you cant take calls at work. So tell them.

-Even if they can call YOU at work, A collector can only speak to YOU--NOT speak to your employer (or others at your employment, like receptionists, other employees, etc).
What this means: That if the collector speaks to anyone other than you at work, it's a violation. You don't need to tell them that it's inconvenient. That can also include leaving messages on communal voicemails, or emails to accounts that others may have access to. A collector does not need prior notice from you not to do this for it to be a violation.

Except for one exception - A collector can speak to your employer to get "location information,. This means to get your address and phone number, or employer, if the collector doesn't have such information. However, in doing so, the collector must:

1) State that he is confirming or correcting location information, and only identify who he is calling from if requested
2) Not state that any debt is owed, and
3) Only communicate once unless further contact is needed to get the information.

Of course, you can avoid this issue by just making sure the collection agency has your current address and phone number. If, for example, you've gotten letters from the agency, there should be no reason for them to call your workplace. This is why I suggest that you always provide collection agencies your current address and phone number. That way, they are absolutely prohibited from speaking with anyone at your employment for any reason.

Questions? Get in touch with us! (954) 987-0515 jason@jasonweaverpa.com, http://www.unfaircollections.com/.