Seeing an unknown or blocked number on your phone, or on your phone at work, can be enough to cause a panic attack if you have been getting a lot of collection calls. It’s always stressful to get called by debt collectors but it’s even worse to get collection calls at work. If you have been getting collection calls at work after you told the collection agency to stop calling you at work or if you have been getting voicemails at work from a collection agency that agency is violating the FDCPA and you can make them stop so that the stress and the panic stops.
How The FDCPA Works
The FDCPA is the Fair Debt Collection Practices Act. It’s a law that was passed in the 1970s to provide protection from unfair debt collection practices that could hurt consumers. The law is very specific in what it allows debt collectors to do in order to collect a debt and what it doesn’t allow them to do. The FDCPA is the reason that debt collectors can’t call your phone 50 times a day, or call you at 2AM, or call your work and tell your boss or your coworkers that you a debt. The collection agents have to obey the rules of the FDCPA. If they don’t you can file a claim against them for damages and to make them stop harassing you or threatening you or leaving you voicemails at work.
Why Debt Collectors Can’t Leave Voicemails At Your Work
Debt collectors can leave voicemails on your personal phone as long as they identify that they are debt collectors. But they can’t leave voicemails on your work phone. That’s because they can’t legally discuss your debt with anyone else, and your voicemail isn’t private. In almost every workplace your boss, your IT department, or your HR staff can access your voicemail.
That means that debt collectors can’t talk about your debt on that voicemail or they are violating the FDCPA. And if they don’t specifically say that they are calling about a debt they are also violating the FDCPA. So no matter what they do they can’t leave a voicemail on your work phone that doesn’t violate the FDCPA. If you receive a voicemail at work from a debt collector you can file a claim against that debt collection agency for violating your rights and the FDCPA.
Stop Threats And Harassment From Debt Collectors
Debt collectors aren’t allowed to threaten you with imprisonment or arrest or other drastic action trying to get you to pay the debt either. If you receive a voicemail that is threatening or intimidating that is a violation of the FDCPA also.
An FDCPA Attorney Can Help You Fight Back
If you are being harassed by a debt collection agency you should speak to an attorney that has experience with FDCPA violations. The attorney can help you understand what your rights are and what your options are to fight back against a debt collection agency that is harassing you or leaving you voicemails at work.
*Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against SRS and Associates, Inc. or any other third-party collection agency, you may not be entitled to any compensation.