Know your rights- facts about collections and harassment
Is it legal for collectors to call at work?
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 harassing me everyday on the phone until he got me fired from my job and he continues to do this just about every 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 ?
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).
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 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 for debt resolution assistance.
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