Can a debt collector call me on my work phone?

In Virginia, debt collectors are allowed to call you on your work phone if you have given them permission. It is important to note that the collectors cannot contact you during work hours or in front of your co-workers, as this could get you in trouble with your employer. Additionally, if your employer has specifically prohibited you from receiving business calls, then the collector cannot call you at work. The Fair Debt Collection Practices Act (FDCPA) governs debt collection practices in Virginia. According to the FDCPA, debt collectors are only allowed to call “between 8 a.m. and 9 p.m.” and must cease communication if the consumer asks the collector to stop calling. The FDCPA also states that debt collectors may not call the consumer’s employer without the consumer’s permission. Thus, a debt collector can contact you on your work phone if you have given the collector permission to do so. Furthermore, Virginia Consumer Protection Act (VCPA) states that if the consumer has sued the debt collector or has sent a cease and desist letter to the collector, the collector may no longer contact by any means. This includes both work and personal phones. Again, you must have given explicit permission for a debt collector to contact you on your work phone. The laws in Virginia are designed to protect consumers from debt collector harassment. If you feel that a debt collector has violated any of your rights outlined in the VCPA or the FDCPA, then you are encouraged to contact an attorney and seek legal advice.

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Can a debt collector call me on my work phone?

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