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wikiwiki | How rude can a collection agency be when contacting a debtor's employer? |
I answer the phones at my work and get a lot of collection calls for one of our drivers. They never say they're a collection agency, but it's mighty obvious when they accuse me of lying about this employee's whereabouts/covering for them. Can I hang up on them? Can I be as rude to them as they are to me? Can I tell them to stop calling, or does the employee have to do it? |
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Sgt Big Red
|
They are not allowed to call your employer under the following:
The Fair Debt Collection Practices Act
15 U.S.C. § 1792 et seq.
15 U.S.C. § 1692c. Communication in connection with debt collection
(3) at the consumer's place of employment if the debt collector knows or has reason to know that
the consumer's employer prohibits the consumer from receiving such communication.
So you just inform them that your employer does not allow this practice (cite the above FDCPA Law) and if they continue to do so your company will file a complaint with the State Attorney Generals Office.
Or if your boss allows you, tell them to "GO AWAY" and don't bother calling any more.
Hope this answers your question. |
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G.O.A.T.
 |
Once you tell them to stop calling they HAVE to abide by your request. If they fail to do so you can report them. Keep records of when they call and then when you tell them to stop.
Simply say the employee is not allowed to have phone calls at work and please stop calling. You can also ask where they are calling from, but they won't tell ya most of the time. If you have caller I.D. just call them back and see who it is. |
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Bill C
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The collection agency shouldn't be calling the debtor's work.
The debtor should immediately tell the collection agency to stop contacting them at work. The Fair Debt Collection Practices Act governs what a collection agency can and cannot do. |
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effervescentevanescence
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There are laws the collection agency has to follow per the FDCPA or Fair Debt Collection Practices Act. You need to verbally tell them to stop calling as this will affect the employees employment. I would also have the employee convey this as well. If they continue to call, contact a consumer advocacy group to help out. There is possible financial reparations for the employee if a violation has occurred. Check out http//:myacu.org. |
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Sahmyel
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You can be as rude to them as you like. It's not like it's illegal. If you want to hang up on them than do it. By law there are certain guide lines that collectors are supposed to follow. It sounds like these people may be pushing the limit. Bottom line; you don't have to take $hit from them nor should you. |
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rhsaunders
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It is unlawful for a collection agency to contact one's employer. See previous response. |
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Gertie
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you have obviously tried the nice and take a message for the employee approach but it didnt work. next time they call ask for their name address and number once you have that info tell them the employee is not allowed to receive personal phone calls at this number and if they call again you will proceed with legal action.
I wouldnt be verbally rude to them but I would hang up whats the worst that can happen they call back and say you hung up which they cant prove. |
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mjgreeley909
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go to http://www.fair-debt-collection.com/. There is rules of what they can and can not do. |
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Koki M
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I would get the collections contact info and give it to the employee.
I would tell the employee to deal with "his" problem and that I do not want to be bothered again by "his" problems.
Only fair |
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Beverly S
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You can do whatever you want. However, if this is the only way they have to contact him they may end up suing him if they can't reach him |
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Reality Check
|
Since you are not the debtor for this collection, there really isn't a lot you can do. What I would do in your situation, is get the collection agency name, representative's name, address and phone number.
They cannot (legally) give you information such as case #, etc. You need to give the employee this information, and inform them of the harassing calls. That employee needs to get a hold of the creditor and work out a payment plan. In the meantime, they can send the collection agency a "cease and desist" letter via certified mail with return receipt, which will stop the calls temporarily.
Ultimately, you are powerless to do anything about it, as you can not negotiate for the debtor, and should not give out revealing information (such as home address phone number, etc....nor can they ask you for this....legally). I'm sure that employees have gotten written up or in some cases, terminated because of creditor calls....it would be just like getting bombarded with personal calls all day long. If that employee values their job, they need to settle the debt, and not have you cover for them. |
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DooMRocK
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legally the dnt have to stop calling just cus u tell them to..just tellem the person isnt allowed to take calls at work.but he might end up getting sued. so take msg's for him and its upto him if he gets sued or not. |
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