There’s quite a lot to juggle when you’re working in the mortgage industry. You’re meeting with applicants to retrieve and process their information for an application, answering applicant questions, analyzing their financial status, reviewing their credit history and the list of responsibilities goes on.
All of these tasks seem difficult enough to fit within an eight-hour day while managing just one client. But when you’re processing multiple applications, following up with applicants for required information and answering ongoing questions through text, phone and email, it’s not hard to believe that your workdays extend to 10+ hours. And chances are your work often follows you home and interrupts quality time with your family. Not to mention that you most likely haven’t had a chance to enjoy the lunch and rest breaks that your employer is required to provide.
If you’re familiar with these working conditions, we have an important question for you. Is your employer compensating you for these missed breaks and overtime hours? If they have failed to do so or you’re not sure, The Carter Law Firm wants to help you through the process of obtaining the money you rightly deserve.
There are common misconceptions surrounding overtime and rest breaks that many employers either overlook or take advantage of. Just because your business aims to provide ‘top notch customer care’ to keep clients happy by operating 24/7, that doesn’t mean you have to. Labor laws are in place to protect employees from these forms of wage fraud.
According to the Federal Labor Standards Act (FLSA), employers are required to pay one and one-half times an employee’s regular rate of pay after that employee exceeds 40 hours of work in a week. They must also provide a rest break for every 4 hours an employee works. If work gets in the way of your rest breaks, your employer is required by law to pay an extra hour of pay for that violation, too.
Reimbursements are another major oversight in the mortgage and banking industry. You are entitled to reimbursement for certain expenses including cell phone and vehicle costs that occur while you’re performing responsibilities on the job. If your current or past employer has not reimbursed you for these expenses, take comfort in knowing that it may not be too late. Employees may be able to entitled to recover unreimbursed expenses dating back up to four years, with interest.
You deserve to be treated and compensated fairly by your employer. Constantly missing meal breaks, working extended hours in the office and answering off-the-clock emails and calls at home warrants additional compensation. We would like to assist you in retrieving the pay that you deserve.
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