Can Debt Collectors Contact Your Family or Employer?

The FDCPA strictly limits how collectors may contact other people about your debt. Generally they may reach out to third parties only to locate you — and even then, they can't reveal that you owe a debt.

What they can't do

• Tell your family, neighbors, or coworkers that you owe a debt
• Contact third parties repeatedly
• Keep contacting your workplace after being told the employer prohibits it
• Use postcards or envelopes that reveal the debt

If they cross the line

Improper third-party disclosure is an FDCPA violation with statutory damages. Document who was contacted, when, and what was said.