Dear Dave: Is My Debt Collector Breaking The Law?

Posted: Aug 02, 2018 9:09 AM
Dear Dave: Is My Debt Collector Breaking The Law?

Dear Dave,

A debt collector has been calling members of my family for the last two weeks to get information on me. He identified himself as collector, and I want to pay what I owe, but is it legal for him to do this?


Dear Kerry,

No, it isn’t legal. If he identified himself in any way as a debt collector, and spoke with anyone but you about your debt, he broke the law. This is a violation of the Federal Fair Debt Collection Practices Act. You need to file a complaint with the Federal Trade Commission (FTC) against this collector and his company. 

Record the conversation the next time they call. Tell them at the beginning you’ll be taping any interaction you have with them from that point forward, and ask your relatives to do the same. That way, you’ll have proof to hand over to the FTC or the attorney general. 

There’s nothing wrong with collecting a debt. If you’re a collector or creditor, it’s money that is legally owed to you. Still, you must do it within the confines of the law.