A Creditor Is Calling My Employer

A listener asks if a collector can call an employer when chasing you about your debt.

QUESTION: A listener asks if a collector can call an employer when chasing you about your debt.

ANSWER: They can call you at work. A creditor cannot discuss an account with anyone that is not on the account. If they do, they’re in violation of federal law. They can call your employer’s place of business. They could even call your employer, but they are not supposed to discuss your account with them. If they do, they have violated federal law, and you should contact an attorney.

If they’re calling you at work and hassling you, they can technically do that. You can stop them. The Fair Debt Collection Practices Act states that if the collector has been notified that it is against policy for you to be called at work and they continue to call work after that, then they’re in violation of federal law. Send a letter via certified mail with return receipt requested that says, “According to the Fair Debt Collection Practices Act, I’m notifying you that you cannot contact me at work. It is against our policy. You can contact me at home.”