A debt collector has been calling members of my family to get information on me. She has identified herself as collector, and I want to pay what I owe, but is it legal for them to do this? If not, what can I do to make them stop?
No, it isnít legal. If she identified herself in any way as a debt collector, and spoke with anyone but you about your debt,
she has broken federal law. This is a violation of the Fair Debt Collection Practices Act. You need to file a complaint with the Federal Trade Commission (FTC) against this collector and her company.
I would also advise recording the conversation the next time they call. Just tell them at the beginning that youíll be taping any interaction you have with them from that point forward, and tell your relatives to do the same thing. That way, youíll have proof of their misbehavior to hand over to the FTC or the attorney general. You might even be able to get this crooked collector
Donít get me wrong. Itís perfectly okay to collect a debt. If youíre a creditor or collector, itís simply money thatís owed to you, and you deserve it. But you must do it within the confines of the law, and you should
do it within the confines of good taste. If you owe
money, you should be honorable enough to pay what you owe. But this kind of behavior is just harassment and intimidation. Donít let them get away with it, Katherine!