Can debt collectors contact you at work?

Typically a debt collector should not contact you through your workplace unless you request them to, or if you haven’t given them any other effective way to contact you. If a debt collector does contact you at work, they must not reveal information about your financial situation to others.

Can a debt collector find out where I work?

All they need to do is contact The Work Number and the information is provided to them. However, the dark side of all of this is that if your employer uses The Work Number (and many large employers do) your information will be added to this database and debt collectors can use it to find out where you work.

What powers do debt collectors have?

Debt collectors don’t have any special powers that can help them to collect a debt. You might find that they contact you through phone calls and letters however in some cases they may visit your home too. If a debt collector shows up at your house, you don’t have to open the door to them or let them in.

How do I stop a collection call at work?

Simply tell the debt collector that your employer doesn’t want them calling your job or that you’re not allowed to receive personal calls at work. Once the debt collector is aware of either situation, they are legally required to stop calling you at work.

What happens if you ignore debt collectors?

If you continue to ignore communicating with the debt collector, they will likely file a collections lawsuit against you in court. If you are served with a lawsuit and ignore this court filing, the debt collection company will then be able to get a default judgment against you.

Can a debt collector call you at work?

Debt collectors can’t show up at your place of work to collect a debt. They can call you at work, but they can’t reveal that they are debt collectors to your co-workers. You can stop the calls by asking them not to call you at work. Once you’ve made the request they cannot legally continue to call you at work.

What do debt collectors have to tell me about the debt?

A collector can contact other people to find out your address, your home phone number, and where you work, but usually can’t contact them more than once, and cannot tell them you owe a debt. What does the debt collector have to tell me about the debt?

Can a creditor sell your debt to a collection agency?

The creditor you originally owed money may have sold your debt to a collection agency, which in turn may have sold it to another collection agency. A mistake somewhere along the way could mean that the collector contacting you has incorrect information.

What happens when you stop paying a debt collector?

You may buy yourself a temporary reprieve from phone calls if you make a payment. However, calls will eventually resume if you stop paying. Making a payment according to a payment arrangement may stop collection calls completely as long as you keep up with all your payments under the arrangement.