Can a debt collector obtain information about my employment?

Yes, in California a debt collector can obtain information about your employment. Debt collectors have the right to contact your employer in an attempt to collect the debt and to confirm that you are employed. However, a debt collector must abide by certain laws when obtaining and using the information. Under the Fair Debt Collection Practices Act (FDCPA), a debt collection agency must send you a written notice that they will be contacting your employer about the debt you owe. This notice must also include information about the debt and should include how you can dispute the debt if you feel that it is incorrect. Debt collectors in California must also abide by the Rosenthal Fair Debt Collection Practices Act, which states that a debt collector cannot make any false representations or use any deceptive conduct when communicating with your employer. This means that they can’t lie, threaten, or use other tactics to pressure your employer into providing the information. Your employer cannot be forced to provide information to the debt collector, but they may do so voluntarily. It is important to remember that your employer may not be able to provide any information to the debt collector and does not have to. In any case, the debt collector must abide by the laws that are set out to protect your privacy and rights.

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