Debt Collection, Garnishment, Repossession

questions & answers

Question: Is it against the law for my creditor (car dealership)to contstanly contact me at work even after I have verbally requested them not to? What can I do to protect my employment as them constanly calling may jeopordize my employment?

Answer:

Please review our article on Fair Debt Collection.

That article states that when debt collectors contact you:

• They must not call you at a time or place they know or should know to be inconvenient for you. Unless you tell them otherwise, they must call you between 8:00 a.m. and 9:00 p.m. at your local time.
• If they know you have a lawyer representing you regarding the debt they are collecting, they must contact your lawyer and not contact you directly.
• They must not call you at work if they know or have reason to know that your employer does not allow this. If you are called at work, tell the collector, or have your boss tell them, they must not call you at work again. Then, if they do, simply refuse to speak to them. Also, keep a record of calls made by a collector after they have been told not to call at work.
• They must not communicate with you by postcard.