If you or a family member is behind on a credit card, you might start receiving harassing phone calls from a debt collector.
That’s right, debt collectors can and will call your family.
Ryder Law explains:
One common consumer complaint is that a debt collector is contacting a consumer’s place of work, family, or friends, in an attempt to collect a debt. In fact, there is an entire section of the Fair Debt Collection Practices Act (FDCPA) that regulates debt collection calls to third parties.
And while debt collectors can’t reveal the debt itself to family members, they will do everything they can to make sure your family knows what’s going on without technically breaking the law.
Ryder Law continues:
In reality, revelation of the debt happens often. A debt collector will rarely reveal the specific debt and dollar amount, but they sometimes mention “they owe money” or “they owe a debt.” Or they may say something along the lines of “I’m calling about their student loans” or a “personal financial matter.”
The good news is, you have the right to stop these calls—and report dirty debt collectors to the federal government.
If a debt collector reveals your debt to your family and friends—or if they reveal other people’s debt to you—then they are breaking the law. This is a common occurrence, but most people don’t know they have the power to stop it.
If you find yourself in this situation, we recommend contacting a consumer rights lawyer right away. Many will even offer a free consultation.