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modedicebox
08-12-2010, 07:42 PM
What do you guys do when you get constant calls from collectors looking for one of your employees?

knox gsl
08-12-2010, 07:59 PM
Confront the employee and have him handle his mess. If this dosen't help and he is easily replaceable, replace him. I wouldn't let him go if he had a good reason or is just down on his luck, but if he's just sorry pull the plug if it don't stop. Next time you hire one make it a policy that they don't use the company contact info to get credit. By the way it is illegal for them to regularly call a place of employment to collect debt.

modedicebox
08-12-2010, 08:08 PM
Thanks GreenStar. I have been seriously thinking about letting him go and this is just the topper. This is a payday loan that he bounced on. He is known to get these loans and not pay them back. It drives me crazy because I made him take care of this while I was there and he told me it was taken care of. Just needed to see what other guys would do. Thanks again

knox gsl
08-12-2010, 08:46 PM
If he is dishonest about this imagine his work ethic when your not looking.

BCLawns
08-12-2010, 09:14 PM
People like this employee end up stealing from the boss. If you let him go, watch your equipment.

AI Inc
08-13-2010, 05:53 AM
Payday loans average a 436% interest rate. Do you realy want someone that stupid working for you?

Mark Oomkes
08-13-2010, 06:56 AM
Is it legal for them to call you?

Then I'd tell them to never call me again, legal or not. But I don't think it is.

Then tell him to get his crap together\give them his cell and\or home number.

Then probably fire him.

MarcSmith
08-13-2010, 07:07 AM
with 20 employee's I get this often as the employee's will put down my office line as their work number

Once you ask the creditor to STOP calling work. it is illegal for them to continue. Its a violation of the Fair debt collection practices act
http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf

when they call get the callers name, and time, and inform of them the FDCPA and then ask for their supervisor. they'll hang up or put you hold the first couple of times. once you get their supervisor write their name. IE keep a log. and when you talk tot he supervisor let them know that you are keeping a log and any further calls will result in a a complaint to the FTC

§ 805. Communication in connection with debt collection
(a) COMMUNICATION WITH THE CONSUMER GENERALLY. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt—
(3) at the consumer’s place of employment if the debt collector knows or has reason to know that the consumer’s employer prohibits the consumer from receiving such communication.

the key is you need to tell them it is prohibited for them to call the debtors place of employment.


The phone caller will try to tell you that the debtor only gave the work number as a point of contact to which I replied "so you loaned money to someone with out verifying contact information, sounds pretty stupid if you ask me" They will ask you if you can verify a home phone number or a home address to which I responded "how you feel if you boss gave out your home phone number an address to anyone who called" that usually shuts them up enough to allow you to ask for their supervisor one more time.

I had bank of America calling and this one supervisor was a real PITA and after about the third time I told hims I was going to the FTC site to report the breach of the FDCPA I hung up, or so I though (speaker phone was still on) and the manager next door had come buy as he had overheard my ranting. and wondered what was up.

I told him that " this dumb F from bank of America keeps calling and harassing my guys about money they owe so I'm reporting him by to to the goddam FTC. I'm tired of Hearing his bull sht" to which I hear from the phone. "are you talking to me?" after a surprised pause I said "no, I'm just talking ABOUT you" and then I really hung up

On a side note Every call I get the employee receives a written counseling which goes in the file. This is for "unprofessional conduct"

to file a claim with the FTC https://www.ftccomplaintassistant.gov/

Randocammando
08-13-2010, 10:36 AM
As a collector i agree with above mention post about the FTC. If your going to file a claim need docs. Get guys name, buisness name times anything you can and keep a log.

Turfdude
08-14-2010, 01:36 PM
As an employer... do nothing - do not get involved in an employees personal affairs. With that being said, if you have a court order/judgement for wage garnishment, then follow it to a tee!!

modedicebox
08-14-2010, 04:37 PM
Thanks for the advice guys!

MarcSmith
08-14-2010, 08:59 PM
As an employer... do nothing - do not get involved in an employees personal affairs. I do not recommended getting in the middle of the the employee's personal affairs, but when I start becoming an answering service I will STOP it...And if that means legally I can complain to the the FTC about my employed getting bothered at work when I disallow it...I will follow up as much as I can...

georgiagrass
08-18-2010, 01:50 AM
My experience has been that most employees with financial problems will eventually steal from you or cheat you in some way.