Debt collector calls are annoying enough when they call you, but when debt collectors contact your members about your debt family it becomes embarrassing. There is a limit to what debt collectors can say when they connect your family members. If debt collectors are going to give out information to their relatives rather than get information, they are breaking the law.


Why debt collectors contact family members?

Why debt collectors contact family members?

If a money collector has unsuccessfully tried to contact you, they will use other methods to try to get you. That can call your family members the best way to find out how to contact you.

It is easier than you think to find your relatives for debt collectors. They use many of the same methods to find your relatives who use them to find you. For example, debt collectors can easily find your relatives if you have previously shared an address with them. The Internet has made it easier than ever to find these connections with just a click of a few buttons.


Is it cool?

debt problem

It is not against the law for debt collectors to contact your family members. The Fair Debt Collection Practices Act allows debt collectors to contact other people to locate you, but there are limits to what they say. Debt collectors can only contact your family to locate you, not collect money for your debts, and they are generally only allowed to contact one person once. If the collector later believes your family member gave them incorrect information, you are allowed to contact the family member again.

When money collectors contact your family, certain issues are off limits. They cannot show that they work for a debt collection agency unless the relative “expressly requests” this information, that is, they ask “who you work for?” Or “who is your employer?” And if the collector already your address and phone number, you are not allowed to contact your relatives at all.

Debt collectors are not allowed to tell your family about your debts unless you are a minor under 18 or the family member cosigned the debt with you. Otherwise they are breaking the law. You can sue a collection agency that violates this right.

Even without directly telling your family members that you owe a debt, the collector can hope that you can easily get in touch with your relatives about your “important business matter” that will inspire you to pay off the debt if for no other reason than to prevent further embarrassment.


This is how collectors from your family prevent contact

This is how collectors from your family prevent contact

Since the ultimate goal of the collector is that you get your debts paid, one of the easiest ways to stop them from contacting your family is to pay the debts. Do this only after you have confirmed that the debt is legitimate and you have checked your budget to make sure you can afford to pay. Don’t try to get debt collectors out of your back by making a promise to pay unless you are really making the promise. A payment agreement will restart the statute of limitations and a broken payment can cause the debt collector to escalate collection efforts.

You can contact the debt collector asking you to stop talking about the debt, but you must make the written request to send through an injunction.

If you are already in contact with a money collector who threatens to tell your family about your debts, they are breaking the law. You are not allowed to contact your family once they have found you, and since they are a threat they cannot legally follow through, they are in violation of the FDCPA.

You can have a debt collector overcommunicated to the Consumer Financial Protection Bureau to report your debts. Finally, consider speaking to a lawyer about a debt collection agency that is violating your rights to tell your family about your debts.