Collection Calls at Work

Debt collections is an aggressive business that is being more carefully monitored but still it persists that some collection agents are prone to using any tactic to get your attention, including calling your during work hours at your place of business. Obviously, no one wants to deal with harassing phone calls at any time but the calls that come into work are not only annoying, they can ultimately lead to problems at your job. Employers who are spending money to access productivity throughout the day are not generally pleased to have employees taking any personal calls but the lasting affects of these upsetting calls can actually lead to warnings or even job loss.

Since the last thing you want to do is lose your job when struggling to pay debts, it is important that you deal correctly with the bill collectors who are calling your work line. There are rules and regulations that are set by the Fair Debt Collection Practices Act to prevent these kinds of problems. Here is what to do if collection agents are hounding you at work to collect on a debt:
 

Take Action
As soon as you receive an unwanted call from a debt collector, you need to inform them upfront that you want the calls to the work number ceased. You should ask the agent to relay the mailing information during the call as well. Inform them that you will be submitting the request to stop calling you at work in writing. Essentially, the collectors are to stop calling you immediately once instructed. However, it may take a statement in writing to end the calls. Send the letter certified and request a return receipt to have added insurance that the letter was received.
 



Know Your Rights
There may be occasions when a letter will not stop collection calls. To that end, you will need to read and clearly understand the Fair Debt Collection Practices Act to the collector. Be sure you are knowledgeable about what you are saying when it comes to your rights as a debtor. This will only work with debt collectors as the rule for dealing with the original creditor are different and generally will be determined by where you reside. If a debt collector continues to call you at work or home, you will need to start documenting conversations and contact. Collectors are allow to contact you only to tell you if they no longer plan to pursue collection efforts; if the agency is turning your debt over to an attorney for further collections; or if the debt collection agent is planning to sue you.
 

Remain Calm
While all collection calls likely are irritating and can cause frustrated – and often heated – conversations. The important thing to remember – if it truly is your debt ti will not get your far to yell and scream obscenities at collection agents. Keep your cool and deal with the situation by documenting the correspondence and filing a report for violations as necessary with the appropriate agencies.

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