Legal Question in Credit and Debt Law in Florida

Can A Creditor Come To Your Job?

I rented a TV and DVD from a rent-to-own company and fell behind 2 payments. In the past, I have asked both the store manager and the collections worker not to call or come to my place of employment. Today, 03/30/04, the store manager and the collections worker, both of whom I had previously asked NOT to come to my job, showed up at my job. The store manager was loud (I work for a social services agency) and demanded to talk to me in the reception area (there were clients present in the area as well).

I was able to pay her the money owed to her by borrowing it from our security guard. I then asked her not to come to my job again because I could be terminated. She stated that I was breaking the law by not paying for the rent-to-own merchandise and that she could come to my job? Is this true? I thought that if you told a creditor not to contact you at your place of employment, they could not. Please help me.


Asked on 3/30/04, 11:26 am

1 Answer from Attorneys
Alexander M. Rosenfeld Rosenfeld & Stein, P.A.

Re: Can A Creditor Come To Your Job?

In general, the provisions of the Fair Debt Collection Practices Act apply to third party collectors not the creditor directly. It appears that it was the creditor itself who visited you. The Act offers you no protection in such circumstance.

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Answered on 3/30/04, 11:45 am


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