Kimbery Credit Counselings Blog
Thursday, February 14, 2008
Can my friends, neighbors and relatives be contacted by my Creditors?
The answer to this is Yes they can, a debt collector or creditor can call your friends, neighbors and relatives to try and locate you if you are dodging them or they can't find you, BUT if they are told to stop calling they must do so. When a debt collector calls your friend, neighbor or relative, they can only tell them who they are and with but they cannot give out your account number or that you have a delinquent debt or other details of the delinquency.
Debt collectors will even contact your neighbors across the street whom you don't even know. They will ask your neighbor to leave a message on your door asking you to call them. Although this tactic is designed to embarrass and humiliate you, The Fair Debt Collection Practices Act has not been interpreted to bar them from contacting your relatives and neighbors. Of course, these third parties might tire of receiving such calls and ask the collector to stop. In this event, the collector would be required to stop calling your neighbors and relatives which usually happens.
Of course, the best way to avoid a debt collector from contacting your relatives, friends and neighbors is to not avoid their phone calls. If you are having problems with debt one solution is to consolidate your unsecured debt by using a debt consolidation company. This is one way that your calls will stop
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