Can a creditor call me at work?

Can a creditor call me at work? A credit can call you at work until you tell them now to. You have rights under the fair debt collections act. Creditors do have a right to call you if they owe you money but they must follow the rules. If you are getting harassed by a creditor or collection agency, it would be a good idea to become familiar with the fair debt collections practices act of 1977. If a creditor knows that you know what the rules for collection are, they will probably back off. They can be fined by the government for violating the debt collections laws.

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How do I get Creditors to stop calling me?

Are you being harassed by your creditors? Can you get a creditor to stop calling you? The only way to get a creditor to stop calling you directly is to hire an attorney. An attorney will send out a cease and desist letter and inform the creditor not to contact you and to direct all communication to the law office. If you don't have an attorney, you do have rights. I would recommend reading the Fair Debt Collections Act. If you owe a creditor money, they do not have free reign to call you whenever and wherever they want. They can only call you certain times of the day. They are not allowed to call you at work it you tell them not to.

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What is the Fair Debt Act?

The fair debt collection practices act of 1977 is a federal law that outlines what creditors and debt collectors can get on you. It is specific on how debt collectors and bill collectors can communicat with you at home and at work. These collections agencies rules are designed to protect the debtor from abusive debt practices and harassment, trick and illegal debt collection tactics.

More on the Fair Debt Act

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Can I settle my debt myself or do I need a lawyer?

If you have collections accounts you can settle the debt yourself. You better have a strong stomach, dealing with creditors can be very frustrating if not scary. If you have a fair understanding of the Fair Debt Collections Practices Act you will be in better shape than most. Just remember that it is a process that you need to stick to. The reality is that if you deal with an attorney that does debt negotiation you will probably end up in the same position. They usually deal in bulk and can get deals from the creditors for that. There is no right answer, you do want to check out your options.

Lawyers that do Debt Negotiation