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Yet in its 2011 Annual Report to Congress about Fair Debt Collection Practices Act complaints, the Federal Trade Commission noted that in 2010 it received 17,008 complaints related to debt collection calls to consumers at work, up from 11,991 complaints the year before.
“By continuing to contact consumers at work under these circumstances, debt collectors may put them in jeopardy of losing their jobs,” notes the FTC.
If you owe unsecured debt such as credit card debt, collectors must typically sue you before they can go after your property, including money in your bank accounts, or try to garnish your wages.
But threatening to take such actions before they have sued you and won a judgment may be illegal.
At the same time, don’t assume that just because a debt is older it can’t be collected, or that it can’t affect your credit reports.Still, some involved calls from collectors in the U. Collectors may make it sound like paying off collections account will improve your credit by telling you that they will update your credit report to “paid in full” status. Collection accounts are negative, regardless of whether they are paid or not, though some newer credit scoring models do not factor in paid collections.On the other hand, paying the collection account may stop the creditor or collector from suing you, therefore avoiding a judgment on your credit report that could hurt your credit scre even more.C., explained: We call these ‘third party disclosures’, a violation of Section 1692c(b) of the Fair Debt Collection Practices Act, and they are exceptionally common, particularly when the debt collector leaves a message on a public answering machine.These public answering machine violations are called “Foti” violations after the landmark case Foti v. If a debt collector leaves a message for you on any conventional answering machine or any shared/open access voicemail system, they are likely to violate the third party disclosure restrictions per Foti, so save any machine message and/or voicemail which a debt collector leaves for you!