info@carolinalaw.com
info@carolinalaw.com
Debt collectors and collection agencies conduct credit checks on debtors who provide different phone numbers, such as work numbers, old cell phone numbers, and family member numbers. Instead of spending time and money verifying they have the correct information to contact you lawfully, these bill collectors will call every number at which they can reach you. Additionally, debt collectors may also call your workplace or family members in an attempt to pressure you into paying your debts.
North Carolina law and the federal Fair Debt Collection Practices Act (FDCPA) offer significant protections to consumers against debt collectors. These regulations specifically restrict collection agencies and creditors from discussing your debts with individuals other than yourself, your spouse, or your legal guardian. This means that anyone else, such as your significant other, siblings, employer, assistants, or anyone who might take your phone call, is completely off-limits for such discussions. These protections are in place to safeguard your privacy and ensure that sensitive financial information is not disclosed to unauthorized parties, allowing you to manage your debts without unnecessary intrusion.
If your coworkers or family members are receiving calls about your alleged debts, here are key rules and exceptions to know.
Some debt collection agencies are known for using harassing tactics to force payments. They likely know what they are doing is illegal but are after the bottom line. Contact us if you believe any of the above conditions have been violated.
If a creditor or collection agency is making calls to work and family members or contacting third parties to discuss alleged debts, Maginnis Howard may be able to help you. Try to note the date and time of these calls and who the collection agency spoke with. That will be helpful as the case progresses. The firm offers free consultations on these issues and takes these matters on a contingency basis. That means no fees are owed unless we recover compensation for you. We serve clients from our three offices across North Carolina in Raleigh, Charlotte, and Fayetteville.
