Can a debt collector contact me at work?

In California, debt collectors are generally only allowed to contact you at work if they have received written permission from you. However, if the debt collector knows that you are not allowed to receive calls at work, they may not contact you there. It is important to note, however, that debt collectors may still contact your employer to confirm your employment information or to receive your contact information. Debt collectors may also contact your co-workers, but they may only give them limited details about the debt. They may validate your employment, your address, and phone number, but they are not allowed to share any other details. In general, debt collectors should not be contacting you at all times of day or night. According to the Fair Debt Collection Practices Act, debt collectors are prohibited from calling before 8:00am or after 9:00pm, or on Sundays or holidays. Ultimately, it is important to understand the laws and regulations surrounding debt collection and to know when a collector has gone too far. If you feel that a debt collector has crossed a line, it is important to report them using the resources provided by the state. Also, you should always keep records of any communication with the debt collector, including any letters or emails.

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