Debt collectors frequently resort to aggressive measures to reach debtors, but calling your neighbors is a new low. It is a violation of your privacy and a threat to your relationships with those around you. If this is happening to you, it is crucial to take action.
Calling your neighbors about your debt is illegal
There are many things debt collectors cannot do to pressure you into settling your debts. When they call your neighbor, they may:
- Ask for your current address or phone number
- Attempt to embarrass you into paying
- Try to pressure your neighbors to pass on messages
- Reveal details about your debt
Consumers have certain protections against abusive debt collection methods under the Fair Debt Collection Practices Act (FDCPA). This federal law prohibits debt collectors from contacting third parties, including neighbors, about your debt. They can only contact others to locate you, and even then, they cannot disclose that you owe a debt.
Do not let aggressive tactics disrupt your life
It is imperative that you take appropriate action immediately if a debt collector calls your neighbor or violates any of your legal protections. You may send a cease-and-desist letter demanding they stop all contact with your neighbors or report the issue to the state’s Department of Financial and Professional Regulation. In extreme cases, you can sue the debt collector for damages under the FDCPA.
Stopping this financial harassment is essential for your peace of mind. Do not hesitate to obtain legal help when fighting such illegal behaviors. This way, you can manage your debt situation without further complications.