Kimbery Credit Counselings Blog
Thursday, January 31, 2008
Debt Problems: Can My Employer Be Contacted By A Debt Collector?
A debt collector may contact your employer to verify that you are employed by them, also they can find out whether you have medical insurance to cover a specific debt that you may have, or they may call to garnish your wages. In order to do this the debt collection agency must first sue you and obtain a judgment against you. Most states require debt collectors to make these inquiries of your employer in writing; but at times they may allow the collector to contact the employer by telephone if no response is received within a few weeks of the written inquiry.
Can I Be Contacted By a Debt Collector At Work About a Debt I Have With Them?
Yes, a collection agency can contact you at work by phone or mail unless the debt collector knows or has reason to know that your place of employment does not allow you to receive such communications. Any written communication sent to you at work must me marked "Personal and Confidential" by the debt collector and a debt collector may not reveal the reason for the call to your supervisor or any co-workers. If he does, he has violated the Fair Debt Collection Practices Act.
If you do not want to be contacted at your work place you should write the debt collector a letter asking them not to call you at work or send you notices at work because your boss forbids such activity.
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