Creditors Harassment
I'm having to hold off filing Chapter seven for about 45 more days. A couple of creditors (credit cards) have started calling my employer and leaving messages for me. First they would call and leave me voicemails at my phone. I've ignored all of their messages. They have now started calling my supervisor and telling him that its very important that they get into contact with me immediately and would he please make sure that I got their message. My immediate supervisor is aware of my financial status. Now they are calling other employees at random asking if they know me and asking if I am in the building. My question is this: Are they allowed to do this? If not, what can I do to stop this harassment?
Answer:
Next thing you know they will make road trips and be sitting in designated smoking areas for employees waiting for us to take a smoke break. Send them a letter under the federal laws regulating collections-- Then they can only contact you once to tell you if they're going to sue or take some other action. THe problem is, it's not harrassment-- they're trying to get in touch with you, and they aren't calling at odd hours etc. If your supervisor is aware of your problem, maybe he could tell them not to call again? I don't know if they'd be bound by this, but that woudl move it closer to harassment. Also, how often are they calling? A single call a day isn't harassment-- if in the space of 45 minutes every other person with an outside phone line gets called, I'd speak to an attorney.
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