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The gang at work is hovering around your cubicle relishing a story you’re telling about an exciting weekend camping trip. Suddenly, the phone rings and you immediately answer it in anticipation of a phone call from a colleague on a business trip.

The call is from a debt collection agency.

If Medicredit calls you at the office or in the field, you can request the third party debt collector stop calling you on the job. Although Medicredit is not breaking a law by calling you, an important consumer protection law has established limits to bill collector phone calls at work, as well as defined a provision called “reason to know.”

Under the Fair Debt Collection Practices Act (FDCPA), a debt collection agency is not permitted to contact you at work if the third party debt collector has “reason to know” your company prohibits bill collector phone calls at work.

You initiate the “reason to know” provision by telling Medicredit to stop calling you at work because your employer forbids bill collector phone calls.

Effective Methods to Stop Debt Collection Agency Phone Calls

If dealing with a debt collection agency is like playing poker, then you have several “outs” when it comes to handling the phone calls made by Medicredit to your place of employment. The FDCPA allows you to send a formal written request sent through certified mail.

You can negotiate a settlement with a third party debt collector that reduces the amount of money you owe on a delinquent consumer debt. Each state has set a statute of limitations for the collection of consumer debts.

The sands of time might have run out on Medicredit and hence, end the phone calls made to you at work.

Working with a licensed FDCPA lawyer should be enough to get a bill collector’s attention. Debt collection agencies depend on consumer ignorance when it comes to the FDCPA.

By hiring an experienced lawyer, you deliver the message to Medicredit that you want the third party debt collector to back off and stop calling you at work. If you attorney’s clear message to Medicredit does not resonate with the bill collector, the next step of the process involves filing a civil lawsuit to seek monetary damages for one or more violations of the FDCPA.

Can Medicredit Call You at Work?*

Making Medicredit Pay for FDCPA Violations

The FDCPA has established consumer protections against unethical debt collection practices. If a third party debt collector violates one or more provisions of the FDCPA, you have the right to seek monetary damages for physical and emotional distress.

The FDCPA also grants consumers the right to recover lost wages and any income garnished to pay off an outstanding debt. Statutory damages are capped at $1,000 per lawsuit. You also can recover attorney fees, which is a financial safety net you benefit from during the litigation process.

In addition to the money a civil court awards you for FDCPA violations, you can also seek injunctive relief. This type of legal relief ensures a debt collection agency never contacts you at work again.

When a third party debt collector crosses the legal line by calling you at work after you asked the bill collector to stop making phone calls, the stakes are too high not to seek the legal consultation of a proven consume protection attorney.

Speak with a FDCPA lawyer today to get the relief you deserve from the relentless tactics implemented by a debt collection agency.

Additional Resources

*Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against Medicredit or any other third-party collection agency, you may not be entitled to any compensation.