Can a debt collector contact me if I have an attorney representing me?

Yes, a debt collector can contact you if you have an attorney representing you. In California, if you have an attorney representing you in a debt collection lawsuit, then the debt collector can only contact your attorney and not you directly. This is because the Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from contacting consumers who have an attorney representing them in any way related to the debt. Debt collectors must also cease all communication with a consumer when notified that the consumer is represented by an attorney. They must do this even if the debt collector believes the attorney is not licensed to practice law in the state where the debt collector is located. It is important to note that while debt collectors may only contact your attorney, this doesn’t stop them from continuing the debt collection process. This means they can still file a lawsuit against you and send you notices of the same. However, they must communicate with your attorney instead of with you. Additionally, when communicating with your attorney, debt collectors must include a copy of the FDCPA’s Summary of Rights. This document is required to be sent to consumers and provides information on the rights you have under the FDCPA and how you can exercise them.

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Can a debt collector contact me if I have an attorney representing me?

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