Can a Creditor Call My Work?
No. A debt collector may not contact you at inconvenient times or places, such as before 8 in the morning or after 9 at night, unless you agree to it. And collectors may not contact you at work if they're told (orally or in writing) that you're not allowed to get calls there.
How Can I Get a Creditor to Stop Contacting Me?
If a collector contacts you about a debt, you may want to talk to them at least once to see if you can resolve the matter – even if you don’t think you owe the debt, can’t repay it immediately, or think that the collector is contacting you by mistake. If you decide after contacting the debt collector that you don’t want the collector to contact you again, tell the collector – in writing – to stop contacting you. Here’s how to do that:
Make a copy of your letter. Send the original by certified mail, and pay for a “return receipt” so you’ll be able to document what the collector received. Once the collector receives your letter, they may not contact you again, with two exceptions: a collector can contact you to tell you there will be no further contact or to let you know that they or the creditor intend to take a specific action, like filing a lawsuit. Sending such a letter to a debt collector you owe money to does not get rid of the debt, but it should stop the contact. The creditor or the debt collector still can sue you to collect the debt.
What if a Creditor Keeps Calling After I Tell Them to Stop?
If you are being harassed by creditors, contact the Law Offices of Morrison + Murff for a free case review. You can fight back and may be entitled to damages for wrongful collections at no out of pocket cost to you. Call 801-456-9933.
How to Stop Creditor Harassment?
You do not have to stand for creditor harassment.
At Morrison + Murff, we understand how to stop creditor collection calls and debt collector harassment of all kinds.
Many people facing creditor harassment feel helpless and lack the resources or knowledge to go up against these companies that constantly call and harass them. At Morrison + Murff we have the resources, the experience and the tenacity to fight back for you.
There are many ways to stop creditor harassment. The Fair Debt and Collection Practices Act (FDCPA), for example, gives a harassed debtor the right to sue a debt collector who is violating collections laws.
Another way to stop debt collection harassment is debt validation. One of the most common violations of the FDCPA and other legal regulations involves creditors trying to collect on debts that are invalid. Even if you know you owe a certain debt, the creditor may be overstating the debt by making simple accounting errors, tacking on unauthorized interest or fees, and in some cases even intentional misrepresentation of debts that simply don't exist. Our lawyers can help you fight against these violations and protect your rights.