Most of the time, a medical debt collector will not contact you while you are at work. They will only do so if you ask them to or have no other way to get a hold of you.
If they do happen to contact you at work, they cannot reveal that they are trying to collect a debt. Debt collectors must never disclose information about your financial situation to other people.
We will be going over this topic in more depth throughout this article. If you are being bothered by debt collectors at your job, it is essential to know that upon your request, they are technically not allowed to do that. Continue reading to learn more.
How Debt Collectors Can Contact You
The Fair Debt Collection Practices Act (FDCPA) limits how a debt collector can contact you. While not illegal for them to call you while you are working, the FDCPA prohibits them from getting it if your workplace does not allow it.
You can let them know the next time they call you that you cannot talk to them while working. Doing so does not need to be done in writing, but it might benefit you to record the collector's actions if the problem worsens.
What if They Don't Stop
When a debt collector continues to call you at your workplace, you can sue them after you asked them to stop. You would take them to court for violating the FDCPA, with potential damages up to $1,000 each time they called you.
You may also have your court and attorney fees covered if FDCPA violations caused damages.
Other Types of Collectors
Medical debt collectors and other collection agencies should not be bothering you at work. However, that does not stop creditors from calling you there.
The FDCPA does not stop creditors from calling you since they are not recognized as debt collectors. If you are late on a payment, it is alright for them to contact you at work. If they are calling you always, that is a different story, however.
When to Talk to an Attorney
If medical debt collectors continuously call you at your job, that is considered harassment. An attorney can teach you more about your rights and what steps you need to take next.
A medical bill lawyer might even be able to assist you in dealing with disputes on your charges, among many other things. You must talk to an attorney if calls from debt collectors are spamming you.
Remember, if a debt collector is calling you repeatedly with the intent to annoy or harass you, you have a right to tell them to stop calling you. They are not allowed to contact you numerous times a day.
What Debt Collectors are Not Allowed to Do
Medical debt collectors are limited by the FDCPA with what they can do. If you notice them taking any of the following actions, your rights might be being violated:
- Come to your work
- It is illegal for them to show up at your job and ask for payment
- Doing so could let others know of your financial situation
- Arrest you for your debts
- You can not be arrested for a debt that you owe to a collection agency
- Debt collectors are not allowed to harass you; this includes:
- Aggressive language
- Publishing your information
- Calling you repeatedly
- They are not allowed to call you before 8 am and after 9 pm
- Contact you for a debt you do not owe
- If you are contacted, report the number and block them
- Do not give them any money
You are allowed to request that debt collectors stop contacting you. They will have to since it would be illegal for them to continue doing it after giving them notice. You are still required to pay the debt back.
What if They Don't Stop Calling
When you tell the debt collector, you can not take calls at work; they probably will call you at home more often. If they do not stop calling you, you can send them a legal notice.
Suppose they continue calling you at work after telling them to stop. In that case, you can report the collector to the Consumer Financial Protection Bureau. You can also sue them for damages if they were harassing you.
So, are medical debt collectors allowed to call you at work? They are, as long as they follow the regulations and rules surrounding it. You can report debt collectors that harass you and file lawsuits against them if they violate your rights.