Debt collectors CANNOT legally show up at your workplace or discuss your debt with your employer.
Under the Fair Debt Collection Practices Act (FDCPA), debt collectors are prohibited from contacting third parties—including your employer—about your debt unless they are simply trying to locate you. However, they cannot reveal that you owe a debt or threaten to show up at your workplace.
Is It Legal for a Debt Collector to Contact Your Employer?
🚫 No, a debt collector cannot legally:
❌ Show up at your job and confront you in person.
❌ Discuss your debt with your boss, co-workers, or HR.
❌ Threaten to “embarrass” you or cause trouble at your workplace.
❌ Keep calling your work phone if you’ve told them not to.
✅ A debt collector can only call your job to ask for your location or confirm employment, but once they make contact, they must stop calling if you request it.
➡️ If a debt collector threatens to show up at your job or talk to your employer, they may be violating federal law, and you may be able to sue them for damages.
What Should You Do If a Debt Collector Threatens to Show Up at Work?
🔹 Stay Calm & Don’t Panic – These threats are often scare tactics to pressure you into paying.
🔹 Tell Them to Stop Calling Your Job – Clearly state, “My employer does not allow collection calls at work.”
🔹 Document the Threat – Keep a record of the call, including the date, time, and what was said.
🔹 Send a Cease and Desist Letter – You can demand that they stop all communication with you.
🔹 Report Them – File a complaint with the Consumer Financial Protection Bureau (CFPB) or the Federal Trade Commission (FTC).
🔹 Contact a Consumer Protection Attorney – You may be entitled to compensation for FDCPA violations.
Take Action Against Debt Collector Harassment
If a debt collector is threatening to show up at your job or illegally contact your employer, The Wood Firm PLLC can help you fight back and hold them accountable.
📞 Call us at 844-638-1122
📧 Email us at help@protectionforconsumers.com
You have rights—don’t let debt collectors intimidate you!
