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

In North Carolina, a debt collector is not allowed to contact you directly if you have hired an attorney to represent you. Under the Fair Debt Collection Practices Act (FDCPA), an attorney can act as a mediator between the debt collector and the debtor. The attorney must provide written proof that they are the debtor’s legal representative. Once this proof is provided to the debt collector, all communication must go through the lawyer, unless the lawyer agrees that the debtor can talk to the debt collector directly. If a debt collector calls or contacts you directly after being informed that you have an attorney representing you, this would be a violation of the FDCPA. This means the debt collector is responsible for any damages that the debtor has suffered due to the violation. This could potentially include physical or emotional stress, financial loss, or other damages. If you are being contacted by a debt collector, it is important to let them know you have hired an attorney to represent you. If they continue to contact you, you can take legal action. Make sure you keep records of all communication with the debt collector, so that you can use it to prove that you were harassed if you decide to pursue legal action.

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

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