Know your rights- facts about collections and harassment - The Bills.com Blog

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Know your rights- facts about collections and harassment

Question: I had my sister cosign for a truck driving school loan ; i left state to go do this , graduated , and was feeling pretty good about this until the loan company employee started calling me and harrassing me everyday on the phone until he got me fired from my job and he continues to do this just aboutevery other day from the 2nd day of the month on even though i've asked him repeatedly not to call me before 4pm durring the week day's and since their business is open until 7pm, through the weekdays and then; i would be able to discuss, whatever seems to be so pressing . is this legal for him to get me fired from a job? after begged him not to call while i'm at work ?

Answer: Thanks for visiting Bills.com. The quick answer is: NO. An overly aggressive collector should not be able to get your fired from your job.

In fact, there is an entire federal law that the FTC (Federal Trade Commission) enforces, called the Fair Debt Collection Practices Act (FDCPA). You can learn more about the FDCPA here: www.ftc.gov .

The important consideration is that you have the obligation to request the collector to "cease and desist" future communication with you, and to tell them that if they continue their harassment that your job will be jeopardized (unfortunately, it appears that this already happened).

There

are some states where FDCPA applies to the original creditor, but in every state the FDCPA applies to 3rd party collection agencies. I have attached a sample CandD (cease and desist) form that you can print out and customize for your needs, if it will help you out.

If you need debt help, Bills.com makes it easy to apply at: https://www.bills.com/debthelp/debt/

I hope this helped you Find, Learn, and Save!

Best,
Bill
www.bills.com

Also, make sure to get a free financial health check-up with Bills IQ!

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Bill has answered all sorts of questions and has been able to provide those in need of financial guidance with helpful and valuable advice and information on their specific financial area of interest. If you need specific guidance on any of the above mentioned financial areas, feel free to Ask Bill your financial questions and get better informed. Also, make sure to get a free financial health check-up with Bills IQ!

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