AMMERMAN & GOLDBERG “BANKRUPTCY” LAW OFFICE
Toll Free: 877-441-4076
Phone: 202-638-0606

Can a debt collector harass you at work?

Dealing with a considerable amount of debt can leave many Washington, D.C. residents feeling fearful. To some, fear may seem like an inappropriate emotion for such a situation, but you may know too well that financial issues could leave you feeling afraid that you may not have the ability to afford necessities or that a debt collector could attempt to take your property.

Dealing with collections agencies could instill a particular sense of fear as many collectors may seem intimidating. If you do not know your rights as a consumer and what actions the Fair Debt Collections Practices Act prohibits collectors from carrying out, you may believe that they could go to any means necessary in order to obtain payment from you. As a result, you may want to better understand what actions collections agents cannot utilize.

Carry out harassing actions

Any contact from collections agencies can seem bothersome. However, debt collectors do not have the right to repeatedly call you throughout the day or speak to you in an abusive or derogatory way. Additionally, they cannot threaten you with harm or arrest if you do not make your payments. If an agent does harass you, you may have cause to report him or her to the proper authorities.

Come to your place of employment

Though you may struggle financially, you likely try to keep your personal life and your work life separate. As a result, your co-workers may not have knowledge regarding your debt issues, and you undoubtedly would like to keep it that way. Nonetheless, you may fear that collections calls or an agent coming to your workplace could reveal your issues.

Luckily, agents cannot come to your place of employment and cannot publicize your debt in any way. They do have the ability to call you at work, but if you ask the collector not to carry out this action, he or she must refrain from continued calls.

Call you anytime, day or night

Though debt collectors can call your home or place of employment, they cannot call you whenever they please. The set times during which collectors may attempt to contact you by phone are from 8 a.m. until 9 p.m.

Though debt collectors cannot take these actions, they do have the ability to pressure you into making payments or otherwise potentially make you feel uncomfortable and more worried about your financial situation. Therefore, you may wish to look into your debt relief options, such as bankruptcy, to determine whether you could avoid such calls altogether.

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