Can they do this

[tigger398]

Can creditors call your job. Is it legal

[2Joyful]

I believe so and believe we give them the power when they ask, place of employment and the phone number.

I checked and its said they can be stopped if told you can't receive those calls, you can do it oral or by writing.

[traveller]

Yes, unless you tell them no.

Click here

[LCE635]

when I was superviser and collector wouldl call any employee, I used to tell them that if they continue to call the person would loose the job and never pay them. It worked.

[LeonaS]

when I was superviser and collector wouldl call any employee, I used to tell them that if they continue to call the person would loose the job and never pay them. It worked.

Good for you!

[Matthitjah]

Yes they can. In MD we have very specific rules on this though and if you tell them not to in writing I believe it's illegal.

I don't know why they would do that though because like has been said above. if you lose your job your definately not going to pay them.

[Isaiah 6:8]

Debt collectors are after one thing—your money.

And, you know what? That's okay. If you borrowed money, then you need to pay it back. Collectors have the right to call you and ask you to pay back the money you owe.

But let's be honest about debt collectors. You know they are lying if their mouths are moving.

Most of them will do anything—seriously, anything!—to make you pay your bills. They don't care whether you feed your family and keep your lights on. All they want is to be at the top of your priority list. Nothing else matters to them.

Debt collectors have guidelines called the Federal Fair Debt Collection Practices Act—but from the stories we hear, it seems like many of them skate around these rules at best, and ignore them at worst.

Their job is to make you angry or scared—and they do it well. They know that if you get all worked up, you will act on that emotion and do something stupid, like pay them instead of buying groceries.

Collectors have a plan, and so should you. Stay calm. Don't let some kid in a cubicle 500 miles away take control of your life.

Here are some of the basics that you should know about the Federal Fair Debt Collection Practices Act:

• The Act states that harassment is illegal, and it restricts a collector's calls to between the hours of 8 a.m. and 9 p.m. (unless they have your permission).
• The Act also allows you to demand that a creditor cease calling you at work. You should request this in writing by certified mail with return receipt requested.
• No collector or creditor may access a bank account or garnish wages without proper and lengthy court action, except in the case of delinquent IRS or student loan debt. All such threats are a bluff.
• Collectors cannot contact third parties—such as family or neighbors—more than once about your debt, and they cannot discuss the details of your debt. This is illegal but not uncommon practice.
• Do not use a cease-and-desist letter except in horrible situations, because all negotiations stop and any hope of positive resolution is lost.
  
  You can read more about your rights and the limits of collectors by visiting the Federal Trade Commission's website
  
  Source http://www.daveramse...ney_debt/text3/

[georgedrw81]

We bring them to ourselves when we borrow and do not pay back. It is not pleseant to be in such situations and therefore we should avoid owing. At times though there are mistakes. The best way out is to come to an arrangement and especially pray. Reminds me of a former landlady who managed to persuade the debt collector to pay $1.50/month (one dollar and fifty cents).

Blessings

[Guest]

when I was supervisor and collector would call any employee, I used to tell them that if they continue to call the person would loose the job and never pay them. It worked.

Great idea.

Something else that works is when they start in, start laughing hysterically -- I mean laugh like you've just lost your mind. Stops 'em dead in their tracks . . . they don't know how to handle it.