Can a debt collector contact third parties regarding my debt?
Yes, a debt collection agency in Texas can contact third parties regarding your debt. In Texas, collection defense law dictates that collection agencies must identify themselves as collection agencies when communicating with a third party, such as a family member or employer. When attempting to collect debt, debt collectors in Texas may gather and disclose information about your debt and your ability to pay. They are allowed to contact third parties to locate you or determine your address, phone number, employment status, or bank accounts. However, they are not allowed to disclose the specifics of your debt. Additionally, debt collectors are prohibited from harassing, oppressing, or abusing you or any third party. This includes using profane language, making repeated phone calls, publishing false information, and threatening violence or legal action. Debt collectors may only contact third parties for the purpose of obtaining information regarding your whereabouts and financial situation. All communication must adhere to Texas collection defense laws. It is important to remember that you have rights under the Fair Debt Collection Practices Act. If you believe that a debt collector has violated any of your rights, you may contact Texas State Attorney General to report the incident.
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