Legal Question in Credit and Debt Law in Wisconsin

Re: Bill Collectors

Section 805(a) of the FDCPA provides with regard to Collection calls to consumers ( AKA Debtors ) that:

Unless you consent or a court order permits, debt collectors may not call to collect a debt:

(1). at any time or place which is unusual or known to be inconvenient to you. 8 a.m. - 9 p.m. is presumed to be convenient;

(2). when he knows you are represented by an attorney with respect to the debt, unless the attorney fails to respond to the communication in a reasonable time period, and

(3). at work if he knows your employer prohibits such contacts.

Thus per Section 805(a)(3), Debt collectors may not call a person at work if they have reason to know the person�s employer forbids such communication (e.g., the employee or employer has verbally informed them).

Don't rely on a verbal communication. Either (or both) the employer and/or employee should notify the debt collector in writing (and keep a copy) that calls are not permitted at work.

If the calls continue to come in, document who makes the call and you should be able to prove a FDCPA violation such that you can hire an attorney to file suit (and the attorney fees in a successful claim are paid by the debt collector)