If your payday loan is approaching the due date or if you are already delinquent, chances are your lender is going to call you. They will use every phone number they can find for you, including those of your friends and family and also your work. However, you have rights protected by federal law under the Fair Debt Collection Practices Act. How do you stop payday loan collection phone calls at work. It’s easy and this article tells you how.
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Woman Sues Payday Lender For Calling At Work
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Amy claims she began receiving phone calls from Martin and Seibert regarding collection for her debt. According to court documents, when Amy was first contacted by a Martin and Seibert collection agent while she was at her place of work, she requested that the collector cease placing telephone calls to her place of employment regarding the alleged debt. Despite her request, Amy continued to receive telephone calls from Martin and Seibert representatives at her place of employment.
Collectors Annoy And Harass
Amy often hung up the phone on such occasions, but Martin and Seibert representatives would call back immediately thereafter. On numerous occasions Amy reiterated to the collection representatives her request not to be called at work too often explaining that calls of such a nature were not allowed by her employer. Amy just didn’t want to get in trouble at work – it wasn’t that she trying to avoid paying the debt.
If the collector was smart they would obey the request, not just because it’s the law, but because they are trying to collect money. If they call Amy at work and cause Amy to lose her job, or lose consideration for promotion, they are hurting their own chances of recovering the debt. Putting Amy out of work isn’t exactly in their best interest.
Amy claims Martin and Seibert violated the Fair Debt Collection Practices Act (FDCPA)by communicating with her at her place of employment and by continuing to call her with an intent to annoy and harass her. Amy seeks actual and compensatory damages, statutory damages of $1,000 for each violation of the FDCPA, attorney’s fees, costs and other relief the court deems just. Regardless of the case outcome, the fact remains that the collection agency will have to spend money to defend themselves – all because an intelligent borrower knows her rights and isn’t afraid to exercise them.
How To Stop Payday Loam Collection Calls At Work
Payday lenders will not call you at work once you tell them that it is unacceptable. The case that Amy started is just one example of what can happen when you know your rights and exercise them.
Category: Payday loans