Can a debt collector tell my mom we owe money ?

by Kelly
(Florida)

A collector called my mom and told her he needs to find me because I owe thousands on a credit card. Is it legal for them to do that? If not, is there a way to report them for breaking the law?

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Aug 27, 2010
debt collection privacy
by: Gerri & Mary

Under the federal Fair Debt Collection Practices Act, debt collectors are generally not allowed to tell anyone except a cosigner or your spouse about your debt. They can contact other people to find you, but they shouldn't reveal information about your debt. And once they have located you, they can no longer contact third parties for any reason.

You can certainly file a complaint with the Federal Trade Commission and your state attorney general's office. However, that won't help you in your specific dealings with this collection agency.

That's why, if you think the debt collector has broken the law, it can be a good idea to contact a local consumer law attorney with experience in debt collection cases. Find out how to get FREE or low cost legal advice about debt collection from a consumer law attorney here. They will be able to tell you if what the collector did was illegal, and if so, how to protect your rights.

We would also recommend that, at a minimum, you read first chapter of our ebook Debt Collection Answers for free so you can learn how to deal with this collector more effectively.

We hope this helps, and hope you are able to resolve this!


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