Texas has some of the strongest protections against creditor harassment
If you’ve been getting calls from debt collectors at work, you may be wondering if there’s anything you can do to stop them. Texas has a few laws in place to protect debtors from harassment. Find out more about your rights and how to put an end to unwanted calls during work hours.
If you’re getting calls from debt collectors at work, it can be really tough to manage. You might not want your colleagues or boss to know about your unpaid debts, and you definitely don’t want them to find out that you’re being pursued by a debt collector. This kind of thing could damage your reputation at work, and in some cases may even lead to conflict with your superiors.
If you live in Texas and are struggling with debt, you may be wondering if debt collectors are allowed to call you at work. The answer is yes, both state and federal law allow a debt collector to call a debtor at work unless the debt collector has reason to know that the debtor’s employer prohibits the call. So if you’re getting calls from debt collectors during working hours, they’re not violating the Fair Debt Collection Practice Act (FDCPA).
Debt collectors are usually allowed to call a debtor at work. However, if they are told that their calls are not allowed in the debtor’s workplace, they must stop calling.
Tell Debt Collectors to Stop Calling Your Employer
If you are receiving calls from your debt collector at work and this is hindering your work environment, or if your company prohibits such calls, then you need to inform your debt collector. You can do this verbally or in writing; though of course, it is better to provide written notice, as this serves as evidence of the conversation.
If you are being harassed by a debt collector, you can take steps to protect yourself. One way to do this is to send a certified letter to the debt collector, requiring them to sign a request for signature. This will provide you with documentation and proof that they received the letter, which can be useful if the harassment continues. Be aware that if the debt collector’s address is a PO Box, you will not be able to request a signature.
It can be tough going to work when you’re receiving calls from debt collectors. But there’s no need to feel discouraged or that your workplace is in danger of being compromised. All you need to do is let the debt collectors know that your employer has a prohibition against such calls, and then you can go about your workday with peace of mind.
The FDCPA Protects You From Debt Collectors
Although a debt collector may be able to contact you at work in some circumstances, there are still illegal practices that fall under the FDCPA which you can take action against. If you are being harassed by a debt collector, it is important to know your rights and what actions you can take. Here are some of the illegal practices that debt collectors may use:
- Calling before 8:00 am, in the middle of the night, after 9:00 pm, or even during holidays
- Calling at work during working hours
- Using obscene or foul language
- Yelling at the debtor
- Repeatedly calling the debtor just to annoy them
There are a few things you can do if a debt collector is trying to collect a debt from you using any of these tactics. You have options and resources available to protect your rights.
To Stop Harassment File a Complaint and Send a Cease and Desist Letter
If you don’t want to be contacted by a debt collector, you can send them a cease-and-desist notice. This will stop the debt collector from contacting you, but they may file a lawsuit against you instead. To be prepared, learn about your state’s laws on debt-collection lawsuits and how to respond to one.
If you’re being harassed by a debt collector, sending a cease-and-desist letter is a great way to stop it.
If you are being harassed by a debt collector at work, you can file a complaint with the Federal Trade Commission. The Fair Debt Collection Practices Act prohibits debt collectors from harassing consumers, and if the debt collector has violated this act, you may be able to get relief. To file a complaint, simply go to the FTC’s website and fill out the online form.
Debt collectors in Texas are allowed to contact you at work, but there are still ways to stop the harassment. These tips and insights will help you take action to prevent further communication from the debt collector.Clearone Advantage, Credit Associates, Credit 9, Americor Funding, Tripoint Lending, Lendvia, Simple Path Financial, New Start Capital, Point Break Financial, Sagemore Financial, Money Ladder, Advantage Preferred Financial, LoanQuo, Apply.Credit9, Mobilend