Calling at workpalce

You can request the creditor not contact you at work, but they are not bound by the fdcpa laws. FDCPA laws can prohibit a collection agency from contacting you after you send a cease communications letter.

you may request cease of communication at the work place but it may force them into more forceful attempts to collecting the debt due.

The creditors make regular calls to recover the payments from us. If we do not pay them anything, they might turn out fierce in their actions. The best bet would be to arrange some payment plans along with sending some money in advance. They might show their calmness and work with us.

unless, your enrolled in a debt settlement company and then you can't send them a payment because your paying the settlement company to help you.

under the fdcpa there are provisions for a Creditor in the manor that they attempt a collection. It is consider harassment for a creditor to contact you at any number other than a home number. A cease and desist letter is so they stop calling all togeather and any further communication must be provided in writting. Creditors are not allowed to call family members or your work place to obtain information about you.

A original creditor is not bound by fdcpa at all. You would need to look at state statutes to see if it regulates them.