Can A Debt Collector Contact My Employer Regarding My Debt?

When you stop making payments to a creditor, he may sell your account to a debt collector

. Debt collectors can become annoying very quickly. They may call you, send you demanding letters, and threaten you with garnishments or repossession. In some cases, debt collectors may even begin contacting your friends, family, and acquaintances, including your employer. Unfortunately, it is not illegal for a debt collector to contact your employer. However, the debt collector must still follow certain rules when he contacts third parties.

According to the Fair Debt Collection Practices Act, debt collectors can contact a third party only one time to ask about your whereabouts. Under this law, a debt collector could not contact your employer repeatedly. In addition, the FDCPA prohibits debt collectors from telling any third party, including your employer, that you owe money.

Instead, the debt collector can only ask about your whereabouts. The only exception to this rule is a court-ordered wage garnishment. If your debt collector has gone to court, filed for a judgment, and received a court order to garnish your wages, he can submit the garnishment to your employer. By law, your employer has to comply with the garnishment and mail a portion of your wages to the debt collector.

If a debt collector decides to contact your employer to gain information about you, he cannot call him at inappropriate times unless he has been given express permission. Under the law, this means that the debt collector can only call after 8 oclock in the morning and before 9 oclock at night. Debt collectors cannot threaten your employer, ask for any information other than your address and phone number, or ask the employer to garnish your wages if there is no court order in place.

If you are being harassed by debt collectors and you want to know how to make it stop, or if you would like to learn more about debt collection law, visit CreditNowUSA.com today. CreditNowUSA can help you get out of debt or get relief from debt collectors.

For more information, go to Collection Practices at http://www.creditnowusa.com/Collection-Practices

by: Money Lender

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