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bitchincowgirl18 · 12-15-2006, 07:00 PM

Are credit card people awllowed to call you at work after you have told them they can't?

brownsugar · 12-15-2006, 07:08 PM

Hi, and welcome to the forums

As part of the fdcpa, debt collectors may not contact you at work if they know your employer disapproves.

12-15-2006, 08:36 PM

what can you do if they continue to call you at work?

SUEBEEHONEY70 · 12-16-2006, 05:18 AM

Once you inform them that your employer does not allow personal calls at work, they have to stop. If they don't, you have every right to report them.

PDLFREE · 12-16-2006, 06:45 AM

Kylie you can send them a cease and desist letter via email and by certified mail. If you woul dlike a template to use please visit my blog iste debt free Good luck and keep posting

DebtCruncher · 12-17-2006, 08:15 PM

The problem arises that original creditors are not bound by the fdcpa. The FDCPA applies only to debt collectors, and it specifically spells out that a creditor is not considered a debt collector.

PDLFREE · 12-17-2006, 08:17 PM

So someone like a credit card company can call you at work to collect> I mean the ocassional call I understand but Sears calling 2x a day everyday at your employment,can they really do that?

DebtCruncher · 12-17-2006, 08:27 PM

If it is Sears collecting on its own accounts, then yes. It doesn't make much sense for them to keep calling if you tell them to stop, because it would be a fruitless effort and it would alienate the customer. But they can so long as it does not constitute harrassment. (Albeit, what constitutes harassment? It is a subjective word.)

Now if they send it to a collection agency, the CA is bound by FDPCA and if you tell them to stop then they have to.