Are Debt Collectors allowed to……

No!  Debt Collectors are not allowed to call your friends and family members!

If Debt Collectors are calling your friends and family members, this is what you should do:

1.  Determine if debt collectors are violating federal law when contacting these third parties.

Debt Collectors are allowed to contact your friends and family members if they do not know how to contact you.  However, when they contact them, they are only allowed to attempt to acquire your location information.  If they already know how to contact you, or if they are disclosing to these people that you owe a debt the debt collectors have violated federal law.  You likely are entitled to file a law suit against the agency and force the debt collectors to pay for your legal fees in bringing the suit.

2.  Determine which debt collector(s) are making illegal telephone calls.

To successfully sue the debt collector and get the telephone calls to stop, you’ll need to determine which debt collectors are breaking the law.  Ask the person that was contacted if they know what company called them.  See if the person obtained a telephone number.

3.  Document the date and contents of the calls.

You’ll need to document the date and the contents of the illegal telephone calls.  This can prove rather difficult if there are more than one collection agencies calling your friends and family members.  Visit www.debtcollectorshateus.com for a collection communication log to assist you with this step.  Speak to the person that was contacted and get a summary of how the communication went.

4. Call Us!

If the debt collectors have violated the FDCPA, you are entitled to sue them and the debt collectors have to pay your legal costs and fees incurred while suing them.  Most likley a lawyer will take your case on a contingency fee, meaning you don’t have to pay the attorney unless they win the law suit.

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