LEGAL MATTERS: Stop Debt Collection Calls At Work
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Wednesday, November 13, 2013
John T. Longo, GoLocalWorcester Legal Contributor
At least once a month I get a frantic call from someone being harassed by a debt collector at work. The person is always embarrassed and desperate to have the calls stop. Sometimes the person owes the debt; often they do not. In the really sad cases, the person has already paid the collector something but he is now demanding more. Here is what to do if you are getting collection calls at your job.
Is it a Fake Debt Collector?
There is a good chance – 50% based on my experience - the debt collector is really just a criminal trying to shake you down. (Listen to a fake debt collection call here.) He probably got your personal information from a resume you posted on a job site, your LinkedIn profile, or from a loan you might have applied for online. Then he did a Google search to figure out your boss’s name or some other details about you he can use to trick you. When he gets you on the phone he will threaten to have you arrested or served with a lawsuit at work. He may claim to be an ‘investigator’ and urge you to take care of the debt before it becomes a criminal case. His goal is to pressure you into paying right away before you realize you are being scammed.
You will know you are dealing with a fake debt collector if they insist you pay them in a way that cannot be traced. They may insist you wire them money using Western Union, or that you buy a pre-paid credit card or GreenDot Money Packs from 7/11, or that you give them your checking account number. Never pay any debt that way! If a debt collector insists you pay them in any of those ways, hang up and never talk to them again.
Fake debt collectors will keep calling until they realize you are not going to pay. Arguing with them, or threatening them, is a waste of your time. Suing them is also usually a waste of time because you can never find them. Just hang up on them and file complaints with the Federal Trade Commission and the FBI’s Internet Crime Center.
Tell Them To Stop; Sue If They Don’t
Debt collectors are allowed to call you at work until they have reason to know such calls are inconvenient for you or prohibited by your employer. So if they are either, tell them on the phone and send them a letter reminding them. (They will demand you give them another number but you do not have to.) If they call you at work again, you can sue them for violating your rights under the federal Fair Debt Collection Practices Act and probably get your attorney fees paid and put $1,000 in your pocket.
Even if they legally call you at work, debt collectors can never say or suggest to anyone other than you and your spouse that you owe money. You should consider immediately sue any debt collector that tells the receptionist, or threatens to tell your boss, that you owe money.
Deal With The Debt
Stopping the calls at work will not make the debt go away. It will stop the embarrassment and give you a chance to develop a plan to deal with your debts. If they are overwhelming, you may need to file bankruptcy. If not, read about your options here. And don’t get tied up with any debt settlement, or debt negotiation, outfit you find online.
Related Slideshow: Check Out The Grades: Massachusetts Hospitals Report Card
A recent survey released by The Leapfrog Group assigns a Hospital Safety Score, using the report card system of A to F to each of the hospitals in Rhode Island. These grades are based on expert analysis of injuries, infections and errors that cause harm or death during a hospital stay.
Let's see how each of Massachusetts' hospitals were graded from highest to lowest:
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Addison Gilbert Hospital
Gloucester, MA
Fall 2013 Grade: A
Spring 2013 Grade: A
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Anna Jaques Hospital
Newburyport, RI
Fall 2013 Grade: A
Spring 2013 Grade: B
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Baystate Franklin Medical Center
Greenfield, MA
Fall 2013 Grade: A
Spring 2013 Grade: A
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Baystate Medical Center
Springfield, MA
Fall 2013 Grade: A
Spring 2013 Grade: A
(Photo: John Phelan, Wikimedia)
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Berkshire Medical Center
Pittsfield, MA
Fall 2013 Grade: A
Spring 2013 Grade: A
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Beth Israel Deaconess Hospital Milton
Milton, MA
Fall 2013 Grade: A
Spring 2013 Grade: B
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Beth Israel Deaconess Medical Center
Boston, MA
Fall 2013 Grade: A
Spring 2013 Grade: A
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Beverly Hospital
Beverly, MA
Fall 2013 Grade: A
Spring 2013 Grade: A
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Boston Medical Center
Boston, MA
Fall 2013 Grade: A
Spring 2013 Grade: A
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Brigham and Women's Hospital
Boston, MA
Fall 2013 Grade: A
Spring 2013 Grade: A
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Brigham and Women's Faulkner Hospital
Boston, MA
Fall 2013 Grade: A
Spring 2013 Grade: A
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Cambridge Health Alliance: Cambridge
Cambridge, MA
Fall 2013 Grade: A
Spring 2013 Grade: A
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Cambridge Health Alliance: Whidden
Everett, MA
Fall 2013 Grade: A
Spring 2013 Grade: A
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Cape Cod Hospital
Hyannis, MA
Fall 2013 Grade: A
Spring 2013 Grade: A
(Photo: Davee, Flickr)
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Carney Hospital
Dorchester, MA
Fall 2013 Grade: A
Spring 2013 Grade: A
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Charlton Memorial Hospital: Southcoast Hospitals Group
Fall River, MA
Fall 2013 Grade: A
Spring 2013 Grade: B
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Emerson Hospital
Concord, MA
Fall 2013 Grade: A
Spring 2013 Grade: B
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Hallmark Health System: Lawrence Memorial Hospital of Medford
Medford, MA
Fall 2013 Grade: A
Spring 2013 Grade: A
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Hallmark Health System: Melrose-Wakefield Hospital
Melrose, MA
Fall 2013 Grade: A
Spring 2013 Grade: A
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Harrington Memorial Hospital
Southbridge, MA
Fall 2013 Grade: A
Spring 2013 Grade: A
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Holy Family Hospital
Methuen, MA
Fall 2013 Grade: A
Spring 2013 Grade: A
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Jordan Hospital
Plymouth, MA
Fall 2013 Grade: A
Spring 2013 Grade: C
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Lahey Hospital and Medical Center
Burlington, MA
Fall 2013 Grade: A
Spring 2013 Grade: A
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Leonard Morse Hospital
Natick, MA
Fall 2013 Grade: A
Spring 2013 Grade: A
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Lowell General Hospital
Lowell, MA
Fall 2013 Grade: A
Spring 2013 Grade: A
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Marlborough Hospital
Marlborough, MA
Fall 2013 Grade: A
Spring 2013 Grade: A
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Mercy Medical Center of Springfield
Springfield, MA
Fall 2013 Grade: A
Spring 2013 Grade: C
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Merrimack Valley Hospital
Haverhill, MA
Fall 2013 Grade: A
Spring 2013 Grade: C
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Framingham Union Hospital
Framingham, MA
Fall 2013 Grade: A
Spring 2013 Grade: A
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Milford Regional Medical Center
Milford, MA
Fall 2013 Grade: A
Spring 2013 Grade: A
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Morton Hospital
Taunton, MA
Fall 2013 Grade: A
Spring 2013 Grade: A
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Mount Auburn Hospital
Cambridge, MA
Fall 2013 Grade: A
Spring 2013 Grade: A
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Nashoba Valley Medical Center: A Steward Family Hospital
Ayer, MA
Fall 2013 Grade: A
Spring 2013 Grade: B
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Newton-Wellesley Hospital
Newton, MA
Fall 2013 Grade: A
Spring 2013 Grade: A
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Noble Hospital
Westfield, MA
Fall 2013 Grade: A
Spring 2013 Grade: A
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North Shore Medical Center - Union Hospital
Lynn, MA
Fall 2013 Grade: A
Spring 2013 Grade: A
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Quincy Medical Center
Quincy, MA
Fall 2013 Grade: A
Spring 2013 Grade: A
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Signature Healthcare Brockton Hospital
Brockton, MA
Fall 2013 Grade: A
Spring 2013 Grade: A
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South Shore Hospital
South Weymouth, MA
Fall 2013 Grade: A
Spring 2013 Grade: A
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Steward Good Samaritan Medical Center, Inc.
Brockton, MA
Fall 2013 Grade: A
Spring 2013 Grade: A
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St. Luke's Hospital: Southeast Hospitals Group
New Bedford, MA
Fall 2013 Grade: A
Spring 2013 Grade: B
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Steward Norword Hospital
Norwood, MA
Fall 2013 Grade: A
Spring 2013 Grade: A
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Steward St. Anne's Hospital
Fall River, MA
Fall 2013 Grade: A
Spring 2013 Grade: A
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Steward St. Elizabeth's Medical Center
Boston, MA
Fall 2013 Grade: A
Spring 2013 Grade: A
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Sturdy Memorial Hospital
Attleboro, MA
Fall 2013 Grade: A
Spring 2013 Grade: A
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The Cooley Dickinson Hospital
Northampton, MA
Fall 2013 Grade:
Spring 2013 Grade:
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Tobey Hospital: Southcoast Hospitals Group
Wareham, MA
Fall 2013 Grade: A
Spring 2013 Grade: A
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Wing Memorial Hospital & Medical Centers
Palmer, MA
Fall 2013 Grade: A
Spring 2013 Grade: A
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Beth Israel Deaconess Hospital: Needham
Needham, MA
Fall 2013 Grade: B
Spring 2013 Grade: A
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Falmouth Hospital
Falmouth, MA
Fall 2013 Grade: B
Spring 2013 Grade: C
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Holyoke Medical Center
Holyoke, MA
Fall 2013 Grade: B
Spring 2013 Grade: A
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Lawrence General Hospital
Lawrence, MA
Fall 2013 Grade: B
Spring 2013 Grade: B
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Massachusetts General Hospital
Boston, MA
Fall 2013 Grade: B
Spring 2013 Grade: B
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North Shore Medical Center: Salem Hospital
Salem, MA
Fall 2013 Grade: B
Spring 2013 Grade: B
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Saints Medical Center
Lowell, MA
Fall 2013 Grade: B
Spring 2013 Grade: B
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St. Vincent at Worcester Medical Center
Worcester, MA
Fall 2013 Grade: B
Spring 2013 Grade: A
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Tufts Medical Center
Boston, MA
Fall 2013 Grade: B
Spring 2013 Grade: A
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Winchester Hospital
Winchester, MA
Fall 2013 Grade: B
Spring 2013 Grade: B
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HealthAlliance Hospital
Leominster, MA
Fall 2013 Grade: C
Spring 2013 Grade: B
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North Adams Regional Hospital
North Adams, MA
Fall 2013 Grade: C
Spring 2013 Grade: A
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U Mass Memorial Medical Center
Worcester, MA
Fall 2013 Grade: C
Spring 2013 Grade: Not Graded*
*Not graded because the hospital did not respond to Leapfrog's voluntary survey
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U Mass Memorial Medical Center: Memorial Campus
Worcester, MA
Fall 2013 Grade: C
Spring 2013 Grade: C
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Athol Memorial Hospital
Athol, MA
Fall 2013 Grade: Not Graded*
Spring 2013 Grade: Not Graded*
*Not graded because the hospital did not respond to Leapfrog's voluntary survey
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Baystate Mary Lane Hospital
Ware, MA
Fall 2013 Grade: Not Graded*
Spring 2013 Grade: Not Graded*
*Not graded because the hospital did not respond to Leapfrog's voluntary survey
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Boston Children's Hospital
Boston, MA
Fall 2013 Grade: Not Graded*
Spring 2013 Grade: Not Graded*
*Not graded because the hospital did not respond to Leapfrog's voluntary survey
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Clinton Hospital
Clinton, MA
Fall 2013 Grade: Not Graded*
Spring 2013 Grade: Not Graded*
*Not graded because the hospital did not respond to Leapfrog's voluntary survey
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Dana-Farber Cancer Institute
Boston, MA
Fall 2013 Grade: Not Graded*
Spring 2013 Grade: Not Graded*
*Not graded due to lack of publicly available data
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Fairview Hospital
Great Barrington, MA
Fall 2013 Grade: Not Graded*
Spring 2013 Grade: Not Graded*
*Not graded because the hospital did not respond to Leapfrog's voluntary survey
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Martha's Vineyard Hospital
Oak Bluffs, MA
Fall 2013 Grade: Not Graded*
Spring 2013 Grade: Not Graded*
*Not graded because the hospital did not respond to Leapfrog's voluntary survey
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Massachusetts Eye And Ear
Boston, MA
Fall 2013 Grade: Not Graded*
Spring 2013 Grade: Not Graded*
*Not graded because the hospital did not respond to Leapfrog's voluntary survey
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Nantucket Cottage Hospital
Nantucket, MA
Fall 2013 Grade: Not Graded*
Spring 2013 Grade: Not Graded*
*Not graded because the hospital did not respond to Leapfrog's voluntary survey
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New England Baptist Hospital
Boston, MA
Fall 2013 Grade: Not Graded*
Spring 2013 Grade: Not Graded*
*Not graded because the hospital did not respond to Leapfrog's voluntary survey
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