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

In South Carolina, debt collectors are bound by the Consumer Debt Defense Law, which outlines how and when a debt collector can contact a debtor. Generally, debt collectors are prohibited from contacting a debtor at their place of employment. This means debt collectors cannot call a debtor’s employer for debt information, leave messages for a debtor with their employer, or send letters to a debtor’s employer. Additionally, debt collectors cannot contact a debtor’s co-workers to discuss a debt. However, debt collectors can contact a debtor’s employer to verify the debtor’s employment status, including if a debtor was recently laid off. In certain cases, a debt collector can even garnish a debtor’s wages if a court order is issued. In these cases, once the debt collector has the court order, they are allowed to contact the debtor’s employer to discuss the court order and garnishment. In general, debt collectors must abide by the Consumer Debt Defense Law in South Carolina and, as such, are prohibited from contacting a debtor at their place of employment. If a debtor is receiving contact from a debt collector at their place of employment, they should take action to protect themselves. A debtor can report the debt collector to the South Carolina Attorney General or they can seek legal counsel to help protect their rights.

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

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