That right, and its called third party disclosure of a debt.
If you do not have an attorney, a debt collector may contact other people, but only for the purpose of finding out where you live or work. However, the collector cannot tell these people or anyone else (including your employer) that you owe money. (15 U.S. Code § 1692c). As a matter of fact, a collector may not call your place of employment if he or she has reason to believe that number is your employers.
It has been my experience in representing collectors, that agencies disregard this very important provision of the FDCPA; calling employers regularly to collect a debt from employees.
When contacting someone other than the person who owes the debt, the collector must give his or her own name but is not allowed to state the name of the collection agency.
Unfortunately, many agencies are driven by how many dollars or fees they can collect in a given amount of time. As such, greedy collection agencies regularly disclose to friends, family and employers that a debt is owed in order to pressure you to pay.
Its important to keep in mind that a debt collector may not even disclose a debt to family members even close members such as a son or daughter, in some cases not even the spouse!
Even if a debt collector leaves a message on the home answering machine, or cell phone and is subsequently played back and others hear. This is third party disclosure of a debt.
If you are being contacted by collectors at work or school. If your debt has been disclosed to friends of family by no fault of your own! Call us TODAY. Third party disclosure of a debt is a harassing and illegal tactic used by collectors. You may be owed up to $1,000.00 in damages!
Call us TODAY for a FREE CONSULTATION: (706) 431-7297