Q Can Creditors Call at Work? Stopping Creditor Harassment
Creditors may only call you at your place of employment until you've instructed them not to do so.
You can instruct a creditor not to call you at work by writing a cease and desist letter, in which you can actually insist that all future communications—not just at work—be in writing. Send the letter via certified mail with a return receipt as proof the creditor received the message.
Repeatedly calling you at work, particularly after you've instructed the creditor not to do so either verbally or in writing, is considered harassment and is a violation of the Fair Debt Collection Practices Act.
Even with a cease and desist letter, however, creditors can still find ways to contact you and disturb your life. That's where bankruptcy may be able to help.
The U.S. Bankruptcy Code protects all bankruptcy filers by means of an automatic stay. That means creditors can no longer call you, send letters, file lawsuits or report negative credit information.
So after you file for bankruptcy, creditors have to contact you via your lawyer and stop any further communication with you personally. That includes contacting you at work.
If you want to put an end to creditor harassment, speak to an attorney about your options. We can help you stop all the disturbing phone calls and angry letters in an instant. Call us at 816-842-6200, or email us to schedule your free consultation.