Does Ace Cash Express call your job attempting to collect on a past due pay day loan? If it does, it may be violating the law and you could have a claim against them. So what is the law and how do you make the calls to your place of employment stop?
Can Ace Cash Express Call Your Job?
If your employer does not allow you to get personal calls at work and Ace Cash Express knows it, it may be violating state consumer protection laws similar to the federal Fair Debt Collection Practices Act (FDCPA) by calling your job. The federal Act expressly prohibits debt collectors from calling consumers at their place of employment if their employer does not allow such calls. The Act however does not apply to original creditors such as Ace Cash Express. Many states though, have laws that mirror the FDCPA, such as California’s Rosenthal Fair Debt Collection Practices Act (RFDCPA). The RFDCPA prohibits creditors from calling California residents at work in order to collect on a debt, if the creditor is aware that the employer does not allow employees to get personal calls. The Act also prohibits a creditor from discussing a consumer’s debt with a third party, such as your boss or other co-workers who may answer calls from Ace Cash Express.
How Can I Make Ace Cash Express Stop Calling My Job?
The first thing you should do if Ace Cash Express is calling your job is tell them that you are not allowed to receive personal calls at work and ask them to stop calling you there. If the phone calls continue after this, you should write Ace Cash Express a letter asking them to stop contacting you. Be sure to keep a copy of the letter for yourself so that you have proof that you sent the request and know on what date you sent it. If Ace Cash Express calls your job after you have informed them that your employer does not allow you to take personal calls at work and have mailed them a letter requesting that they stop contacting you, you may need to consult with a consumer protection attorney. An experienced consumer protection attorney can help you determine if any laws have been violated, if you have a claim against Ace Cash Express, and can help you file the claim. This will stop the calls to your job and Ace Cash Express may even be ordered to pay you for its violation of consumer protection law.
If you are getting harassing calls from Ace Cash Express collections please contact our office for a free, no obligation consultation at 1-800-219-3577.