If Penn Credit is calling you at work and causing you stress and anxiety you have the right to tell Penn Credit to stop calling you at work. The Fair Debt Collection Practices Act protects consumers from harassment by collection companies.
Even though it is not illegal for debt collector to call you at work, the FDCPA does not allow debt collectors to call you at work if the debt collector has “reason to know” that your employer forbids those kinds of calls.
“Reason to know” means that you have told them either in writing or on the phone that they must stop calling you at work. Once you have told them that they are to stop calling if they call again they are violating the FDCPA.
Methods for Stopping Debt Collectors from Calling You
It’s embarrassing and distressing to get collection calls at work and you don’t have to put up with it. The FDCPA gives you the right to not be harassed by debt collectors. If a debt collector continues to call you at work there are things that you can do.
You can ignore their calls, which is what most people do. You can also hang up on them if they are rude to you or if they threaten you. You can also let them know they you are planning on recording their phone calls. Lastly, you can send them a formal notice to have them to stop contacting you.
Damages You May Be Entitled To
If you tell Penn Credit to stop calling you at work and they keep calling you at work you may be entitled to receive damages from them for violating the FDCPA. Statutory damages, which are essentially a fine the company pays for violating the FDCPA, can be up to $1000. You can also receive damages for:
- Emotional distress – If calls from Penn Credit at work are causing you embarrassment, anxiety, and other emotional problems you can receive damages for that emotional suffering.
- Physical distress – If you are unable to work, or you develop problems like insomnia or physical problems because of the stress caused by the harassment you can receive damages for that.
- Lost wages-If you need to take time off from work to recover from the emotional and physical problems caused by the harassment of a debt collector you can receive damages to cover your lost wages. Even if you use PTO or paid sick time from your employer you can still receive damages form Penn Credit.
Talk to an Attorney Today:
If a debt collector won’t stop contacting you at work the best thing to do is to contact an FDCPA attorney today. An experienced FDCPA attorney can help you determine what next steps to take to make sure the harassment stops as soon as possible.
An attorney can listen to the facts of the case and can best advise you on how to proceed.
*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 Penn Credit or any other third-party collection agency, you may not be entitled to any compensation.