Federal law allows creditors to contact your employer if they need to verify your income or obtain your address and phone number. Creditors are also permitted to contact your employer if they've won a court judgment against you that allows for your wages to be garnished.
However, the law doesn't permit creditors to reveal you owe a debt, and they should never give your employer details of the debt. In addition, a creditor isn't allowed to call your employer repeatedly with the strategy of embarrassing or shaming you into paying a debt.
Beyond confirming your income, creditors can't call your employer if they already have your contact information. They also aren't allowed to threaten that they'll contact your employer as a means to pressure you into paying a debt.
All of these forbidden tactics are a violation of the Fair Debt Collection Practices Act (FDCPA). If you've been harassed in this manner you may be able to sue the creditor and collect damages. If you believe a creditor is violating the FDCPA you can file a complaint with the Federal Trade Commission or the Consumer Financial Protection Bureau.
If you don’t want creditors calling you or your employer, one of the easiest ways to block this action is to consult with an experienced bankruptcy attorney and see what your options are.
Castle Law Office has been handling bankruptcies for Kansas City clients from more than 14 years. If you need the fresh start bankruptcy can provide, call us today at 816-842-6200 to speak with an attorney. Or click here to email us and schedule your free consultation.