Gus owes a lot of money to his creditors. Recently one of the creditors turned over Gus's account to a collection agency. The agency continually calls Gus to try to recover the debt he owes. It has started calling him at work several times a day. May the collection agency do this?
What will be an ideal response?
The collection agency may not do this. The FDCPA prevents an agent involved in collecting a debt from engaging in certain behaviors that would be considered harassing or misleading. The FDCPA prevents the agency from calling at inconvenient times like early in the morning or late at night and at inconvenient places like the debtor's place of employment. The collection agency has violated the FDCPA by calling Gus at work and possibly by calling him at home so frequently if any of the calls were made at inconvenient times.
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