Employer angry at collection calls?

[Mark80]

My employer is fuming mad about the collection calls. I have one (wells fargo) that uses an automatic call system that puts "you" on hold when you answer. We are a small company and they feel using our own automated system is not personal enough with customers. Any how they are very angry at wells fargo for calling all day every 10 minutes with their system and its pretty much known that Im in the dire straights around here.

I told the one secretary that I can't stop them but it will be as soon as I can. But I am at a loss at what to do right now and very stressed out. Can my employer do anything to stop them since I cant?

[JRScott]

You can send them a cease and desist order to not contact you at work. Telling them that your employer forbids it. I'm not sure how you write it but there is probably info in collections about that ;)

[AngelinaCat]

I believe I saw a sample letter somewhere here. Just make sure that whatever you write, send it certified, return receipt requested. Send a cc to your employer too, so that they know you are doing everything you can to stop these calls. Thats called CYA.

[Keebler]

I believe I saw a sample letter somewhere here. Just make sure that whatever you write, send it certified, return receipt requested. Send a cc to your employer too, so that they know you are doing everything you can to stop these calls. Thats called CYA.

Whenever collection calls started getting out of line at home, I'd make sure I hung on the line and talked to them and a supervisor if I could. I'd give them hell and be sure to remind them that they're counting on my cooperation to correct the delinquincy. Calling my employer or calling too often and making me angry is going to help make sure they're the LAST account I take care of and then only when I'm damned good and ready.

Even though I didn't have much leverage, it virtually always got them to leave me alone for days and sometimes weeks.

They use a auto dialer and you need to get grumpy with them so they realize it's programmed unreasonably. Even once they realize, it takes some time for them to change it.

I'd also consider calling the telephone company and reporting thier abusive behavior.

[soleprop]

the telephone company can block certain lines from calling a number...unsure of the process - but if the collections calls are coming from the same number each time and you can capture it on caller ID, etc - you might have an option there?

[Mark80]

We don't have a caller ID system at work, I have asked them to stop calling there as its upsetting my employer and they got a huge attitude with me. How hateful back can you get, I wasn't sure if you flipped out on them if it could be used against you in any manner?

[Banko]

collections calls

Take the time to call them back or if possible talk to them when they call you at work. Let them know that your employer prohibits you from recieving these calls and you can lose your job if you continue to get calls at work. If your job is at jeopardy they do have to stop calling you. They will still of course continue to call your home.
This can be found in the Fair Debt Collection Practices Act under 805- Communication in connection with debt collection #3. Google it and read that section. I filed July 1st and have wells fargo accounts, ironically I also work for wells. Hope this helps.

[magyar123]

Don't think that the FDCPA provisions apply to original creditors. When I was hounded a few years ago at my work phone line I just told them to call me on my cell and gave them my usual break/lunch times. They complied with my request.

[Banko]

If your job is on the line they cannot (or lets say they are not suppose to) call there anymore. Wells Fargo is pretty good about this, Or at least they were when I did collections for them..... We got in trouble if we did not remove the number from the dialer when we were told this.

[GoingDown]

It's illegal for them to call you at work AFTER they know you aren't able to have calls of a personal business nature at work. You MUST put it writing, and state that you might get fired if they continue to call you at work, and yes, send this one by certified mail so they know you can prove that they recieved it and therefore they should now know that you aren't allowed to get these kinds of calls at work.

Wells Fargo was the most aggressive original creditor I had. They called 8 times a day and got very hostile on the phone with me, and if I hung up on them, they would call me right back immediately, and if I didn't answer when they called back, they would leave a very mean message on my answering machine, saying that it was very immature of me to hang up on them and then to answer the phone when they called back.

Since they are calling you at work, I wouldn't say anything vulgar to them on the phone. Politely ask to speak to a supervisor and inform them of the situation and tell them you are sending them a letter by certified mail telling them to stop calling you at work.

Once they get your letter, they will probably stop calling you at work.

I haven't made a single payment to Wells Fargo in over 4 years. They never bothered to sue me. After one year of not making any payments, they sold the debt to a junk debt buyer, and I sent them a cease and desist letter, and then they stopped calling me. They then sent the account to 3 different collection agencies, and I sent all of them cease and desist letters. I have heard from any of them nor any new collection agency for that account in almost a year. I don't think they gave up. I think they put it on the back burner and will eventually sue me once it gets near the statute of limitations, but at this point they are not wasting their time on it. I hope to file chapter 7 bankruptcy before it gets near the statute of limitations. But even if they do sue me, it doesn't matter. I'm judgment proof, and the judgment will just be discharged through the bankruptcy.

[Phillymanhere]

Did you tell them (each of the creditors) to stop calling you at work? You have to tell them "I do not want any more calls at work." Don't ask. You have to tell!

They are supposed to stop if you tell them to. I think that is the consumer law. But you have to directly tell them to stop calling you at work.

Call each of them and tell them to stop calling you at work and confirm your home or cell number where they can call.

Be polite as you do this as the callers are actually quite reasonable, and it'll keep your anger down. No need to get angry when calm will do.

[AngelinaCatHub]

NOW THIS IS A DARN GOOD THREAD!

Too many times they turn bad into worse. I believe there should be law about personal collection calls upon an employer. They KNOW that this gives trouble and they do this on purpose as to apply pressure. Phillyman had the best answer in that “Kill them with Kindness” as that hurts them much more than what you wish to do, telling the to go to H#ll. ‘Hub

[jktrading]

I'm wondering why you can't do a limited cease and decist letter regarding receiving phone calls at work, or anywhere else for that matter? What if you answer the call everytime and simply say, "I refuse to talk about this on the phone, you need to communicate with me in writing." If they try and say this and that, repeat yourself over and over again. What are they going to do? They keep calling, you keep stating your refusal to talk on the phone. Would they seriously keep calling for more than a week or two if you act this way?

[lillaimof2kids]

I work for my parents (I know, that sucks). I would make my mom get on the phone and tell the creditor she's the owner of the business and if they don't stop calling she's going to fire me. She would go on and on about how screwed they would be if I had No income at all. She would then go on asking for their name, which company they worked for and their phone number with extention. She would then tell them she was forwarding that information to her attorney and if they called back one more time she's was pressing charges for harrassment.

Yes, she's a bit fiesty. LOL It worked though. You wouldn't be able to go that route if you work for a big corporation.

Best of luck to you! I know it's a pain in the *ss!

[Mark80]

Thanks for all the feedback! I happen to work for my family also, however I do not wish my parents to know I am filing. They have bailed me out before and I feel I need to take care of this on my own and learn a lesson.

There has been some comments made though from the secretaries as I get calls everyday now.

I have told them not to call, I warned them I would be fired, I even said I couldn't discuss this matter here. But they don't care, they keep calling over and over.

Wellsfargo is by far the worse creditor I have, they are relentless, they know I am filing as do all of them but they keep calling me and simply stating. "It says you are filing bankruptcy, is that correct"? And I say "yes it is" and they hang up.

That has happened 3 days in a row now... lol



I am trying to stay calm about everything, with a new baby to come any day now I don't need to be getting worked up over things. I am currently catching up my housepayment and autos so I can file next month!