Can creditors legally call you at work?

Under the FDCPA, it’s illegal for a debt collector to come to your workplace to collect payment. However, a debt collector, like a credit card company, may call you at work, though they can’t reveal to your co-workers that they are debt collectors. To stop these calls, ask the debt collector not to contact you at work.

How many times a day can a creditor call you in Texas?

Federal law doesn’t give a specific limit on the number of calls a debt collector can place to you. A debt collector may not call you repeatedly or continuously intending to annoy, abuse, or harass you or others who share the number. You do have a right to tell the debt collector to stop calling you.

Is it legal for a debt collector to contact your employer?

It is against the law for the debt collector to disclose, or cause to be disclosed, to your employer the fact that you are in debt unless you agree to this or it is required for the debt collector to perform a legal process involving your employer (e.g. a garnishee on your wages).

Can a creditor call your place of employment?

In such cases, the U.S. Fair Debt Collection Practices Act allows employees to tell creditors to stop contacting them at work because they can’t take such calls there. A creditor must stop the calls immediately after being told to do so. The law also prohibits creditors and collectors from discussing your debts…

When to call a debt collector in Texas?

It is similar to Texas law, but also prohibits: Calls at work if the collector has reason to know the employer does not permit such calls Calls before 8:00 a.m. or after 9:00 p.m. unless the collector knows such times are more convenient for the debtor

When does a creditor have to stop calling?

A creditor must stop the calls immediately after being told to do so. The law also prohibits creditors and collectors from discussing your debts with anyone other than you, your lawyer or your spouse.

What to do if you owe a debt in Texas?

If you owe a debt, act quickly — preferably before it’s sent to a collection agency. Contact your creditor, explain your situation and try to create a payment plan. Usually, creditors will help you catch up. Debt collectors are regulated by the Texas Debt Collection Act. Among other things, the Act prohibits debt collectors from: