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Blogging for Change Blogging For Change
by sitecore\kmcgrigg on September 20, 2010
One of my favorite features of MoneyManagement.org is the ability for consumers to submit questions and receive a personal answer via email. Our Ask the Experts column has been running for many years and in that time we have answered tens of thousands of questions related to credit, debt, and money management.

We recently received this question about how to stop collection calls at work.  Since it is a frequently asked question, I thought I'd share the answer here.

Question: My creditors are calling my work place and my supervisor wants it to STOP. Can they do that???? How can I stop them from calling my work? I'm planning to file for bankruptcy and due to the fact that I don't have the money for an attorney is taking me this long to file, I had stop making payments to my credit cards (5 months) and now I'm been harassed at work. Please help!! I don't want to jeopardize my work.

Answer: You can write to this collection agency demanding they not contact you anymore about this account. The Federal Fair Debt Collection Practices Act (FDCPA) states, "If a consumer notifies a debt collector in writing that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except - (1) advise the consumer that the debt collector's further efforts are being terminated; (2) notify that specific remedies may be invoked; (3) that the debt collector or creditor intends to invoke a specified remedy." This is quoting directly from the FDCPA.

Make sure, in your letter, you mention you are aware of this federal law and this provision of the law. If you have questions about this Act, call the Federal Trade Commission's Consumer Response Center at 877-382-4357. Be sure to send your letter to this collection agency by certified mail, return receipt requested so you have proof they received your "cease and desist" letter.

Please be aware that taking this action does not alleviate you of your responsibility for the debt. In some cases, sending a cease and desist letter can actually escalate the collection process.

Following is an example of a letter you can send to the collector.


Dear Collector:

Please do not call me at my place of employment. My employer does not permit personal phone calls. If you continue to call for me at my place of employment, I will consider your calls a violation of state and/or federal collection laws and will consider hiring an attorney to protect my rights. I will also file a formal complaint with my state Attorney General Office and the Federal Trade Commission, Correspondence Branch, Washington, DC 20580.

Thank you,

Your name


Note: This is for informational purposes only and is not intended to be legal advice.  For help with legal matters, it is always best to consult with an attorney.

Comment(s)

Anonymous says:
September 23, 2010

Glad that you started doing the "questions and answers" this make this website more interesting and down to earth. It addresses real issues about real people. Not boring...



Don Quixote says:
June 19, 2015

while the sample letter provided will work, it doesn't do a whole lot when they ignore it and just keep doing it. There are a LOT of scumbag collectors out there that just don't care and their companies don't care either as long as the money is coming in. I can tell you from first hand experience, it is FAR more satisfying to have the debt erased because you have them by the short and curlies for breaking the law. I found a guide that explains the laws, has sample letters, shows how to use them and also explains in depth how to force these little jerks to stop or pay the price. The guide even shows you how to get them to pay you money when they break the law. Did you know that we are entitled to 1000.00 for every time they break the law? The trick is making them pay it. This eBook shows how. Google Weathering Debt and you should be able to find it for sale at a bunch of different sites. Hope this helps someone...



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