Are creditors allowed to call me at work in Las Vegas?
They can. BUT NOT if you tell them you can’t take calls at work. And telling them is just as valid over the phone as it is if it’s in a written letter. This restriction on creditors is included in the Fair Debt Collection Practices Act (FDCPA) . Be aware, of course, that if you listed a work phone number on a credit application, then that may be why a creditor is calling you at work. So just remember to tell them that they may not call you there.
At what times are creditors allowed to call?
During the day between 8 am and 9 pm. If a debt collection agency calls you before 8 am or after 9 pm, then they have violated the Fair Debt Collection Practices Act. And such violations may entitle a debtor to an action for damages. That’s why it’s important to keep a record of calls from creditors and collection agencies. And also why it helps to have an experienced Las Vegas bankruptcy attorney in your corner.
Is there some way to stop creditors from calling me?
If you file for bankruptcy, something called the “automatic stay” protects you immediately. It’s kind of like a force field around you that prohibits creditors from contacting you in connection with any monies owed. It’s one of the very powerful protections afforded by the bankruptcy process. Creditors who violate it risk sanctions by the court.
More questions about how to stop phone calls from creditors? Ask an experienced Las Vegas bankruptcy attorney at Freedom Law Firm at 702-745-8584. Get in touch for a free initial consultatoin.