Can a debt collector ever contact my friends, family, or employer?

In North Carolina, debt collectors are not allowed to contact your friends, family, or employer for the purpose of collecting a debt. The Fair Debt Collection Practices Act (FDCPA) is a federal law that prevents debt collectors from engaging in certain practices in order to collect a debt. The FDCPA prohibits debt collectors from discussing your debt with anyone other than you, your spouse, or your attorney. This means debt collectors cannot tell your friends, family, or employer about the debt they are trying to collect. Additionally, debt collectors cannot contact your family or your friends in an attempt to locate you. They also cannot contact your employer with the intention of getting your employment information or attempting to garnish your wages unless they have obtained a court order. Ultimately, debt collectors are not allowed to contact your family, friends, or employer in North Carolina, with the exception of your spouse or attorney. If you have received any contact from a debt collector that does not fall within these guidelines, you may want to contact an attorney to assess your rights.

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Can a debt collector ever contact my friends, family, or employer?

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