Debt collectors will routinely contact consumers at their place of employment in an effort to collect a debt. Debt collectors engage in this manner because they are aware that most consumers cannot take personal calls at work. Because debt collectors are aware of this, they will contact consumers at their place of employment, knowing that consumers’ jobs may be at stake if their employer becomes aware that the consumer/employee is taking personal calls at work.
The Fair Debt Collection Practices Act, a statute enacted by Congress to protect consumers from harassing debt collectors, states in part that a debt collector may not contact a consumer at the consumer’s place of employment “if the debt collector knows or has reason to know that the consumer’s employer prohibits the consumer from receiving such communication.”
Debt collectors are not allowed to contact a consumer at the consumer’s place of employment if the consumer has informed the debt collector that it is inconvenient for the consumer to take personal calls at the consumer’s place of employment.
If you have you informed a debt collector to quit contacting you at work, and they continue to contact you at work, you may be able to bring legal action against them. In the event that an action is brought against the debt collector for violation of the Fair Debt Collection Practices Act, you may be entitled to up to $2,000.00 in statutory damages.
Crosby S. Connolly