Can a debt collector contact your employer?

Asked on October 4, 2015 under Bankruptcy Law, South Carolina


M.D., Member, California and New York Bar / FreeAdvice Contributing Attorney

Answered 5 years ago | Contributor

Federal law the Fair Debt Collection Practices Act, allows debt collectors to contact certain third-parties, however they can only do so in order to get contact and location information about a debtor, and this includes their employer.
Debt collectors can contact an employer to confirm employment. they can obtainan employer's name from credit reports, the original creditor or from another third-party. That having been said, a debt collector can only contact a debtor's employer once. The collector is also allowed to contact an employer again if the collector believes the employer gave them false information.
Also, although a collector has the legal right to find out information about a debtor, they have a legal obligation not to give out information about why they are calling. Whenever a debt collector contacts any third-party to get contact information, they&rsquore not allowed to reveal that they&rsquore collecting on a debt.
Notwithstanding the above, a debt collector can contact a debtor at work unless they know or should know the debtor's employer doesn&rsquot allow them to accept personal calls at work. So a debtor needs to inform a collector that they can&rsquot receive such calls.
If you think that your rights have been violated, you should consult directly with an attorney who specializes in consumer law cases they can best advise you further.

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