If I refuse to give contact information for a relative who owes a debt, can the debt collector still call me?
My son and daughter-in-law lived with us for a while when they were having financial problems. They have since moved out, but for some time now I have been getting voice mail messages from a collection agency for them. I have caller ID, so I know who is calling and do not answer the calls. I want the constant messages to stop, however, so I am considering calling the agency back and asking them to stop calling me since I am not responsible for my son's debt.
If I do call them back, however, I do not want to provide contact information for my son. Should I even admit that the people they are trying to contact are my relatives? If I do admit that they are my relatives and I refuse to give them contact information, can they keep calling me?
Reply from DebtCollectionAnswers.com:
Karen - You are not obligated to provide the collection agency with information about your relatives. Simply tell the that you cannot help them, that you want to them to stop calling you and that if they call you again you'll consult an attorney. You may want to follow up that with a certified letter or fax to the agency stating that.
Under the FDCPA a debt collector is allowed to call a third party once to locate the debtor. Once they have located the debtor the calls must stop. In addition the collector cannot call the 3rd party again unless it has reason to believe that they have new information to provide.
Then if they call again contact a consumer law attorney or file a complaint with the Consumer Financial Protection Bureau.
Please understand we are not attorneys and cannot provide legal advice.
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