Debt collectors work on behalf of creditors to collect the outstanding balances you owe.
The Fair Debt Collections Practices Act (FDCPA), enforced by the Federal Trade Commission, puts limits and regulations on how debt collectors may contact you to obtain the money you owe.
How are debt collectors allowed to contact you?
Debt collectors may contact you through phone, email, letters, texts and even social media. They are not allowed to contact you at inconvenient times or in harassing ways. They cannot call in the middle of the night. They cannot use threatening or vulgar language. They cannot contact you at work once you tell them not to.
Who can debt collectors contact about your debt?
Debt collectors are free to contact anyone in your life to try to obtain your phone number or address as long as they do not tell them they are trying to collect a debt. Debt collectors are only permitted to discuss your debt with you or your spouse unless you tell them you have a lawyer. Once they know you have a lawyer, they should only contact your lawyer.
Be cautious when speaking to debt collectors and be on the lookout for scammers. If a debt collector is harassing you or if they refuse to give you the information about the creditor and the amount you owe, you might be dealing with a scammer. If you think the debt collector is legitimate but has violated the FDCPA you can file a complaint or sue the collection agency.