Can a debt collector contact other people if I don’t pay my debt?

In Tennessee, a debt collector may contact other people if you do not pay your debt. However, a debt collector can only contact others for the purpose of attempting to locate you. The debt collector cannot discuss details of your debt with anyone other than you, your spouse, or your attorney. In general, debt collectors cannot contact third parties more than once, unless they require further information, or have reason to believe that the information they have is wrong. In addition, debt collectors must provide you with the name of the person they contacted and why they contacted them. In Tennessee, debt collectors are prohibited from harassing, oppressing, or abusing any person in connection with the collection of any debt. This includes contacting third parties in a manner that is abusive or harassing. It’s important to note that if you have a friend or relative co-signed a loan with you, the creditor can contact that co-signer with collection activities if you fail to make payments. This is true even if the co-signer is not responsible for the debt. If you feel your rights have been violated by a debt collector in Tennessee, you may take legal action. Talk to a lawyer who is experienced in debtor-creditor law to discuss your legal options.

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Can a debt collector contact other people if I don’t pay my debt?

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