“My mother’s neighbors are being called by debt collectors repeatedly asking for my mom. What should I do?”

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“My mother’s neighbors are being called by debt collectors repeatedly asking for my mom. What should I do?”

This, unfortunately, happens fairly often in Alabama.

Let’s take this step by step.

Debt collectors aren’t supposed to talk to third parties about debt you supposedly owe.

There’s something called “location information” under the FDCPA.

This is where a debt collector can contact a third party (i.e. neighbors) to ask for home address, home phone, and place of employment.

However, they can only do that if they don’t already have that information on file.

If they do this, then the neighbor could say, “Here’s so and so’s information. Don’t call me again.”

Or, they could say, “I’m not telling you anything, don’t call me again.”

Then, your neighbors come to your door, or call you and tell you that a debt collector wants to speak with you, because they’re tired of being harassed.

If your neighbors ask the collector not to call again, the collector definitely doesn’t have a reason to call again.

If they already have your location information, then they especially have no reason to call any neighbor.

Most of the time, if a debt collector is calling your neighbors and asking about you, they’re doing it illegally.

And if they’re doing this illegally, then you may have a right to sue them under the FDCPA.

Contact us if you have any questions.

We’d love to hear from you, and help you figure out what to do.

We help consumers all over the state of Alabama.

You can reach us by phone at 1-204-879-2447.

Or, if you prefer, you can fill out a contact form and we will get in touch with you soon. 

Thanks for reading, and have a great day!

-John G. Watts

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