Debt can feel overwhelming and stressful, especially if you have creditors calling you at work. Many people wonder whether this is legal. And what if a debt collector files a lawsuit against you? Can you be served at work?
A debt collector can legally serve you at your workplace, but only in certain situations. It’s important to understand your rights and how to handle the situation if you find yourself in this scenario.
Here’s what you need to know.
Debt Collectors Can Contact You at Work
First, it’s important to understand that debt collectors are legally allowed to contact you at work. This is true as long as they don’t harass you or share information about your debt with anyone else.
However, when it comes to the service of legal papers, the rules are a bit different.
While a debt collector could technically serve you papers at work, they must do so in a manner that won’t cause you undue stress or embarrassment in front of your coworkers or employer. Also keep in mind, debt collectors cannot come to your place of employment. They can hire a third party to serve you legal documents, but the actual debt collector cannot come to your work. They also cannot falsely represent themselves as a ward of the court, government agency, or law enforcement.
You can read more about Florida’s restrictions on debt collection practices at NOLO.com.
If you are served at work, you have the right to inform them in writing that your employer does not allow personal calls or visits during work hours. You can also request that they communicate with you solely through your personal phone number or email address.
It’s also important to note that debt collectors are not legally allowed to tell your employer about your debt or contact them in an attempt to collect payment.
What to Do If You’re Served
If a debt collector has already served you papers at work, it’s important to remain calm and professional. Don’t let yourself get intimidated or upset. You can talk to your HR department about your rights as an employee and see if they can offer any support or guidance. You can also contact a debt relief agency or an attorney for assistance with resolving your debt.
Dealing with debt collectors can be stressful and overwhelming, but it’s important to remember that you have legal rights as a consumer and an employee. If you’re worried about a debt collector serving you with legal papers at work, take the steps outlined in this post to protect yourself.