I had taken out a personal loan with a creditor and it has passed into collection now. My family members didn’t know about it. I am afraid that my workplace image would be affected and if my mom comes to know about it, she’ll be worried sick. Can a collector reveal information regarding my debt to my family or in my office?

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Public airing of an individual’s debt intending to shame him/her is not allowed according to the FDCPA. Discussions about the debt can only be held with the debtor, the creditor, the attorneys representing the debtors and creditors and credit bureaus. Collectors can’t leave messages with third parties asking the debtor to call back. Your neighbors or family members might be contacted to locate you, but the collector shouldn’t discuss the details of the account or disclose about the debt. They can’t even leave information on third party’s answering machines or in voice mail.

However, a spouse or parents of a minor, a guardian, co-signer can be contacted and details about the debt can be discussed with them.

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No. The FDCPA forbids the collectors to tell others about your debt or the details of the account.


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