I’m a Christian and I have fallen behind on my bills. It is bad enough that I am getting calls and letters from my creditors at the house. Can a creditor make calls to my work if I am behind on paying my bills? The truth of the matter is that creditor does have the right to call you at your place of work if you start getting behind on your bills. The Fair Debt Collections Practices Act clearly spells out that they can do that. However if you let them know that you are not allowed to take personal calls at the office they are supposed to put that down in there file and stop calling you. If they continue to call you at the office they may be in violation of the FDCPA. The creditor or collection agency may be fined up to $1000 per incident.
Who Do You Report A Creditor To That Is Abusive?
If you feel that a creditor or collection company is going to far you should contact your local Attorney General to file a complaint. You may also want to send a written correspondence to the creditor alterting them to cease and desist and communications at your work and that you have contact the proper authority to file a complaint agaisnt them.
A collection agency is not allowed to use threats of violence or profanity when communicating with you. They are not allowed to make statements that they don’t intend on following through on, this would include sending fake documents to try and scare you. A creditor is not allowed to call at all hours of the night. They can only call you from 9am to 9pm. If you feel violated in any of these areas you should file a complaint. Not paying your bills is bad enough with the tormet some debt collectors can deliver.
