One common debt collection technique is for a debt collector to call you at work. Even worse is when a debt collector calls your co-workers or boss and reveals that you owe a debt. This is not only embarrassing, but in some cases, it can lead to you losing your job.
Fortunately, the Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from doing this. The FDCPA is a federal law that regulates what debt collectors can and can’t do to collect a debt. Under the FDCPA, debt collectors cannot call you at work once you’ve told them not to. If you want a debt collector to stop calling you at work, write a brief letter stating that you no longer want to be called at work. Send the letter via certified mail so you can prove the debt collector received it. If the debt collector continues to call you at work after receiving your letter, they’ve violated the FDCPA.
Similarly, debt collectors cannot call your co-workers or boss, or any third-party for that matter. There is a narrow exception to this rule. Debt collectors can call third parties to find out your phone number and address. They cannot reveal that you owe a debt during this conversation and once they have your address and phone number, they can no longer call any third parties. If a debt collector calls your co-workers or boss for any other reason, they’ve violated the FDCPA.
If a debt collector violates the FDCPA, you are entitled to sue them and recover money damages. Most consumer lawyers will accept FDCPA cases on a contingency, which means you will not pay any attorneys fees unless you win.