Getting collection calls while you are at work can be nerve wracking but there are things that you can do to stop collection companies like Municipal Services Bureau from calling you when you’re working. It is legal for a debt collection company to call you at work.
However, if you tell the company specifically to stop calling you or if you tell them that your boss forbids collection calls at work they have to stop calling you.
The Fair Debt Collection Practices Act says that if you give a collection company “reason to know” that you want them to stop calling by saying specifically that they cannot call you at work then they have to stop calling.
If they don’t stop calling after you have told them to stop you can file a claim against them for violating the FDCPA.
Methods for Stopping Debt Collectors From Calling You
If a debt collector is calling you at work there are a couple of different things that you can do in order to get them to stop calling. The first thing that you can do is just ignore the calls, which is what most people do.
But if they call and ask for you and you can’t just ignore the call you can tell them that you are recording the call and then record it on your smartphone.
Damages You May Be Entitled To
If you tell a debt collector like Municipal Services Bureau to stop calling you at work and they don’t stop you can file a claim against them for harassment and receive money for damages. The different types of damages that you are entitled to include:
- Emotional distress – If you get emotional or mental health issues like anxiety, depression, or other emotional problems due to the continued calls by a collection agency you may be entitled to money for that distress and to pay for counseling or treatment.
- Statutory Damages – When a debt collector continues to call you after you have told them to stop that is a violation of the FDCPA. You can receive up to $1000 that the company must pay as a fine for breaking the rules of the FDCPA.
- Physical distress – The anxiety and stress caused by collection calls can lead to physical illness as well as mental illness. If you are unable to sleep or if you are unable to work because of the physical problems associated with the stress from collection calls you can receive damages for that.
- Lost wages – If you lose your job, or have your hours cut, or if you are so sick from stress that you can’t work and you end up losing money you can receive money for lost wages in a claim against a collection company.
Talk to an Attorney Today
If a debt collector like Municipal Services Bureau won’t stop calling you at work even though you have told them to stop calling your job you should contact an experienced FDCPA attorney who can give you advice based on your unique situation and help you protect your rights and stop the harassment.
*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 Municipal Services Bureau or any other third-party collection agency, you may not be entitled to any compensation.