The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from calling third-parties, such as family members or friends, about your debts. There is one very limited exception to this rule, though. Debt collectors may contact third-parties to find your address or phone number. Once they have this information, however, they can not contact the third-party again. And during their conversation with the third-party, the debt collector cannot reveal that you owe a debt, discuss details of your debt, and can only identify himself and company if asked.
If a debt collector contacts one of your friends or family members for any other reason, they have violated the FDCPA. You are entitled to sue the debt collector, and if you win your case, you will receive money damages. Most consumer lawyers will accept your case on a contingency fee arrangement. This means you will not have to pay your lawyer unless you win your case.
If you live in Minnesota and debt collectors have been calling your family members and friends, feel free to contact me for a free case evaluation.