OC1999
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They are not allowed to threaten you with actions they do not plan or can not legally take. So it really depends on what she is going to tell your employeer. They are allowed to call and Verify your employement and/or income. They can not discuss anything else about your debt with your employeer or anyone else, with the exception of your spouse if you are married. If they do then they are breaking the FCRA and you can sue them for their actions.
You need to get the name of the person who called you when they called you and exactly what they said. If you find out they discussed your debt with them you can take more action. If she does call again, tell her that with the rules of the Fair Credit Reporting Act she is not allowed to discuss your debt with anybody else other than you. If she does contact your employeer you will purse legal actions against her and the company. |
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Queenjen
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A lot of debt collectors now a days try using intimidation to get you to pay. IT IS ILLEGAL TO INFORM YOUR EMPLOYER OF A DEBT. They can file with the court system for a garnishment of pay and depending on what state you live in they can actually just take the money right out of your bank account!! That one made me really mad and I couldn't believe it was legal. |
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martinpeters
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1st of all, no one can garnish your wages with out a court order. Short of that, it's harassment. Threaten them with a harassment suit. |
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piratephyl
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It would be illegal for her to contact ANYONE but you. They could however start garnishment proceedings and then your employer will be notified-legally. Make payment arrangements with the creditors before that happens and stick with them. |
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Ken C
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First, tell them to stop that and they have to.
Second, be prpared now to have a judgement against you, and possible garnishment of wages.
Bummer Dude....
Figure out how to pay the bill. Make terms with there people. This will haunt you for years to come if you don't take care of it.. |
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yagurlbubblez
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Creditors call clients employers because they know that if they start harrassing your boss, they will eventually end up getting you fired from your job. They do this all the time, i work for a debt settlement company and clients call me all the time telling me that they are receiving calls from the debt collection agencies at work and that their bosses have threatened them of laying them off.
Some clients end up getting fired.
The thing consumers do not know is that when a collection agency calls your job, that is considered harrassment. It is against the law for them to call consumers' work place.
So, if this does happen you can sue them and file for harrassment.
Hope i could help out some |
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tigglys
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They don't think it will help - they want to scare you into paying.
Yup - have been at a work where we got some calls like that.
It will look bad if you deal with money at work - and it's disruptive. You should try to make some arrangment or contact one of those agencies that will help you with debt, but really it's just a scare tactic. |
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Michael H
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In response to the person who stated that the collection agency could get the employer to garnish your wages for the payments. That is only if you live in a state that allows garnishments, alot of states, (like Texas) only allow garneshments for deliguent taxes and student loans, other creditors can not garnish your wages. In fact it is illegal in most states for any creditor to contact your employer except for employment verification. I would call the collection agency a state that if you receive any more threats you will report them. It is illegal for a collection agency to threaten you. |
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raymisty2
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It is illegal for them to call your employer to arrange for a garnishment, for they have to go through the court system, and it is illegal for them to contact YOU at your place of employment. They cannot cal you at work, for this is classified as harrassment. Check your local laws if they have bothered you at work, if so make this known to them the next time they call. |
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Jonny Ringo
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First off, If the bill collector is a third party, and not part of the credit card company itself, then what she threatened to do is against the law.
Third party debt collectors are prohibited from contacting a third party in regards to the debt under the FDCPA law. (unless they are executing a wage garnishment order after a civil judgment has been granted)
You should report this agency and the debt collector to the attorney general in your state, by filing a complaint. You also should consult a local attorney about your rights as a debtor under the FDCPA. Collection agencies are NOT allowed to threaten actions which they do not intend to take.
Sounds like this collector was trying like heck to find your "Hot Button" that would prompt you to pay the bill that you owe. It also sounds like she may have broken a few laws in the process. You may have legal recourse in that regards now.
At any rate, It seems like you are pretty young, and getting yourself mixed up in a jam that could be a problem later on in life if you're not careful.
Please find a CCCS or budgeting seminar / class in your area. Money management is a necessary life skill, and one you will not regret having as you get older (sorry to sound preachy, It's just a lesson I have to teach on a daily basis. The hard way) |
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bead2much
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This angency can have your wages garnished.
However if they are calling to harrass you or try to have you fired from you job you can call the police and file a harrassment suit. If they manage to get you fired from your job they will be liable for their actions and will have to pay your wage, if it comes to that then you will need a lawyer. |
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tenntechgrl
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They would probably try to arrange for garnishments from your check...or they may be bluffing. I think you may have to get a summons to go to court and then the judge will determine if garnishment is appropriate. Good luck |
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bamafannfl
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Most employers do not like to have employees that can't manage their personal finances. It may reflect in your position, job promotions or even keeping that job. Keep a record of time of call, who called, and notes on what they said. This could help if you have to go to court because of loss of job and things like that. You may need to contact a bankruptcy lawyer. |
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Elizabeth
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Legally a creditor can only call an employer to verify earnings or employment, or if there is a final court judgment made on the debt.
It wouldn't help them at all to call them at this point. It was more of an empty threat. They tell you they're going to call, you imagine the worst and think you're going to get embarrassed so you pay up. That's what they're hoping. That's not what you did, so they probably won't call just to ask if you work there. |
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Pitchow!
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Most people don't want their places of business to know about bad debt. You did the right thing though, what a b*tch. |
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dslandau
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No, they can't discuss your debt with a 3rd party, such as your boss. The only way someone at your job would know is if they sued you and won a judgement. That judgement would allow them to garnish your wages, but even so, only your payroll person would know and should know not to discuss with anyone else. |
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fcardaci
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It would put you in a bad light with your employer and make him think less of you. Also, it may start a garnished wage process. Just tell them that you'll be making some kind of good faith payments. |
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adam_1182
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collection agencies can get your employer to deduct money from your paychecks in order to pay off outstanding debt. i would call the collection agencies and ask to speak to a manager to get a payment plan in place. they just want their money, so any little bit will likely appease them. |
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Box815
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Do you really want your employer to know that you can't handle your money? It makes you look like a dope. You're less likely to get promoted and you're likely to be the first one let go if they have to cut head count. |
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