Can a debt collector call me at work?
Under the Fair Debt Collection Practices Act (FDCPA), a debt collector can’t call you at work if they know or should know that your employer prohibits you from receiving calls at work. The issues under this section are whether your employer prohibits personal calls at work and whether the collector knows about those provisions. Generally, if you tell the collector that you can’t take calls at work, that is enough to put them on notice. And some jobs–such as manufacturing, health care, and teaching–so obviously do not permit the employee to take personal calls at work that a debt collector should know that calls are prohibited without being told.
Other parts of the FDCPA, while not specifically related to collection calls at work, may also protect your job. For example, a debt collector can’t call you at inconvenient times or places. For many people, this includes their workplace. And you always have the right under the FDCPA to tell the debt collector to cease all contact with you, whether at your job or otherwise. It’s also important to note that a debt collector can’t call your co-workers or boss about your debt, except for location information in some situations.
If you live in Minnesota and want to stop the harassing debt collection calls at work, feel free to contact me for a free case evaluation.
If you’re dealing with debt collectors, make sure to download and use my free debt collection call log so that you can document all of the debt collectors’ communications. And if the debt collector does anything that you think was unfair; untrue; or harassing, oppressive, or abusive, please contact me to discuss the situation further. I offer a free case review for all FDCPA cases and if I agree to handle your case, you won’t have to pay me any money up front. My fees come from the money I recover from you if you win your case or accept a negotiated settlement.