Can a debt collector contact me at my place of employment?

Generally speaking, debt collectors in North Carolina are not allowed to contact you at your place of employment. The Consumer Debt Defense Law, which is specific to debt collection, states that debt collectors are not allowed to contact you by phone or in person at your place of employment in order to collect a debt. However, there are exceptions to this rule. Debt collectors are allowed to contact a third party at your place of employment if they need to verify certain information about you, such as your contact information or your job title. Additionally, if they have already obtained a court judgment for the debt, they can contact your employer to garnish your wages. Generally, when a debt collector contacts your employer, they must tell them only the necessary details related to the debt. However, if the debt collector contacts your employer on multiple occasions, they must provide a written notice to your employer stating they are collecting a debt. If a debt collector does contact your place of employment, you should be sure to keep a record of all contact attempts. This includes recording the date, time, and content of the conversation. This information can be used to make a complaint or file a lawsuit in cases where debt collectors are found to be in violation of the Consumer Debt Defense Law.

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