Can Debt Collectors Contact Your Family or Employer?
The FDCPA sharply limits third-party contact. What collectors can and cannot say to your relatives, neighbors, and employer.
Editorial Team · July 19, 2026 · 5 min read
GuideJuly 19, 2026
Is the Debt Collector Even Licensed to Sue You?
Many states require debt collectors and debt buyers to be licensed. Suing without a required license can be a defense — how to check.
GuideJuly 18, 2026
Cease and Desist Letter to Debt Collectors
A cease and desist letter stops collector calls — but it has trade-offs. When to use it, what it does, and what it can't stop.
GuideJuly 18, 2026
Debt Validation Letter: What It Is and What to Send
A debt validation letter forces collectors to prove the debt is yours. Learn the 30-day rule under FDCPA §1692g and what to demand.
GuideJuly 18, 2026
FDCPA Violations: When You Can Sue a Debt Collector
Harassment, false threats, and time-barred lawsuits violate the FDCPA. The violations checklist, statutory damages, and how fee-shifting works.
GuideJuly 18, 2026
What to Do When a Debt Collector Calls
The exact script for a debt collector call: what to say, what never to say, and how to protect your rights under the FDCPA.