How to Stop the Harassment of Bill Collectors Who Call Your Workplace in Nevada

Consumers in Nevada and all other U.S. states have specific rights regarding debt collection under the Fair Debt Collection Practices Act. These rights limit the times and places that creditors can contact a consumer. The law also prohibits the debt collector from making threatening or harassing statements concerning your account.



If a creditor is calling you at work, you have the right to tell the creditor to stop. Legally, the creditor must honor your request. In Nevada, if the creditor does not honor your request within 30 days, you have a right to file a complaint with the state Financial Institution Division.

Instructions

1

Check to see if the agency is licensed to collect from Nevada debtors. If it is not listed with the Financial Institutions Division, file a complaint immediately. If the agency is allowed to collect from you, it still must honor a request to stop calling you at work.

2

Tell the creditor you do not want to receive phone calls at work. Follow up with a written request.

3

Write a letter to the collection agency. Reference your name and account or case number.

4

State that you no longer wish to receive phone calls at work. This letter is commonly referred to as a "cease and desist" letter. Make a copy of the letter for your records.

5

Send the original letter certified with return receipt. Keep the return receipt with your copy of the letter. This is proof that your request was received by the collection agency.

6

File a complaint with the state Financial Institutions Division if the creditor does not comply within 30 days. If the bill collector continues to contact you at work, it is in violation of the Fair Debt Collection Practices Act, and in violation of the state of Nevada statutes that govern collection agency operations.