Protections Against Embarrassing Calls Regarding Debt
Debt collectors and collection agencies run credit checks on debtors that provide different telephone numbers for a person: work numbers, old cell phone numbers, family member numbers etc. Rather than spending time/money to ensure that they have information where they can lawfully call contact you, these bill collectors will call every number they can possibly reach you at. Debt collectors will also make calls to work or call family members in an attempt to embarrass you into paying debts.
North Carolina law and the federal Fair Debt Collection Practices Act (FDCPA) provide protections to keep debt collectors from contacting third parties. Collection agencies/creditors cannot speak with any third party, other than your spouse or guardian, regarding your debt: whether it’s your significant other, brother, boss, work receptionist, or anyone else who might answer the phone.
Debt collectors and collection agencies can only call third parties in an attempt to get location information about you. Collection agencies can only call that person one time. Debt collectors cannot state that you owe a debt or suggest that they are in the debt collection business. Of course, creditors cannot contact you if you’ve informed them that you are represented by an attorney. They cannot contact you at your place of employment if you’ve informed them that they should not call you at work.
If you are aware that a creditor or collection agency is making calls to work, calling family members, or contacting third parties and discussing alleged debts, Maginnis Law may be able to help you. If possible, try to note the date and time of these calls and who the collection agency actually spoke with. That will be helpful as the case progresses. The firm offers free consultations on these issues and takes these matters on a contingency basis, meaning that no fees are owed unless we recover some compensation for you.