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Tuesday, March 31, 2009

Can Credit Card Companies And Collectors Harass Me at Work?

Receiving harassing phone calls from credit card companies and collectors about late payments can be very embarrassing. Especially if you are caught off guard or can't talk in private.

So can credit card companies harass you at work? The Fair Debt Collection Practices Act (FDCPA) restricts the types of tactics that credit card companies or debt collection agencies may use. They are unable to call you at work if they know your employer prohibits these types of harassing calls. Once you tell the credit card companies or debt collectors that you cannot receive calls of this type at work, they have to stop calling you at work. It's best to follow up with a letter to them putting this in writing. Let them know you know your rights by informing them that under provisions 145 of the U.S. Code, section 1692b-c, the letter constitutes formal notice to stop all future communications with you except for the reasons specifically set forth in the federal law.

Collectors also cannot call your home so often that it would be considered to be harassment. They also cannot call you before 8:00 a.m. or after 9:00 p.m. To learn more about your rights under the FDCPA visit credit.com.

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