is it legal for payday loan companys to call your work or come to your home?
- STEVEN FLv 78 years agoFavorite Answer
If someone is coming to your home, they do NOT represent a payday loan company. Lawyers cost less than thugs. The FEDERAL law known as the Fair Debt Collections Practices Act, prohibits creditors from contacting you at work AFTER you have told them not to do so. Your first mistake was giving them your work number to begin with.
- Anonymous5 years ago
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- KittysueLv 78 years ago
It really depends on the state. For example, in Calfornia it's perfectly legal for debt collectors to call you at work - check the Attorney General's website
"A collection agency can contact you at work unless the debt collector knows or has reason to know that your employer prohibits you from receiving such communication. However, if you don't want to be contacted at work, you can request that they not telephone or send you notices at work. Be sure to make your request in writing to protect yourself."
There is also no CA law specifically prohibiting them from coming to your home. The only stipulations are that they cannot damage your property or injure you or use profane language
"A collection agency or its employees must not threaten to do anything that it cannot legally do. It cannot damage your property or physically injure you or others"
So you need to check on the laws in your state by contacting your State Attorney General's office
- sophiebLv 78 years ago
As far as I know it "is" illegal. Check with an attorney to be sure as you may have an authentic claim against them. Today people have privacy rights. You should, however set up a repayment plan with the loanor before they take you to court and get a judgment against you which will hurt your credit and maybe getting a job. They might even garnish your wages, might put a lien against your car, could put a hold on your bank accounts.
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- Ryan MLv 78 years ago
The actions by themselves are not illegal. Pay your obligations and its not a worry.