A DEBT COLLECTOR IS CALLING MY
FAMILY & FRIENDS !
Can they do that?
Yes, but NOT to humiliate you into paying......
or to collect from them !
The law recognizes a Debt Collector's need to locate a consumer in order to collect a debt. To accomplish this purpose, a Debt Collector is allowed to call third parties such as friends, family and employer - BUT ONLY for the limited purpose of locating you!
Once they learn how to reach you, ALL calls to others must CEASE !
In order to prevent Debt Collectors from using third-party calls as a collection tactic, the law strictly limits the content of these calls to gathering information about your location and your phone number.
When a third-party call is placed, the Debt Collector must identify him or herself and can ONLY ask for your home address; your phone number and the name and address of your employer. Nothing more!
A Debt Collector CANOT say anything that indicates you owe a debt.
A Debt Collector CANNOT leave a call-back number.
A Debt Collector CANNOT send them any writing about the debt.
A Debt Collector CAN only contact your family member, friend or employer ONE TIME, unless the Debt Collector believes that the person has new information about your location. Here's a suggestion: If a Debt Collector does call back, have your friend or family member ask why the Debt Collector beleives "new information exists" and write down what they say. A specific reason is required. More than, "just checking to see if anything has changed".
Finally, there are exceptions. Third-party calls can be made if:
1. You gave the debt collector express premission to communicate with a family member about the debt.
2. A family member co-signed for your account. That person is not a third-party and may be contacted; and,
3. There is a judgment against you and contacting a family member is reasonably necessary to enforce the judgment
If your family member or friend was called about your debt; or. if YOU ARE the third party and you have questions, you can call us for a Free Consultation at
Or, you can leave your contact information in the space to the right and we will respond promptly.
Yes, I'd Like a FREE
I understand the consultation is FREE;
the information I provide is confidential; and,
that I am under no obligation.
The Rose Consumer Law Firm is the one of the finest law firms that I have ever encountered. Attorney William Rose is extremely knowledgeable, he is responsive to urgent matters, and he goes above and beyond to help people resolve their problems successfully.
- James M., Orange