“A debt collector is calling me and asking about my neighbor. Is that legal?”
This is a situation that happens more times than we’d like to think it does.
Here’s a general rule:
It’s fine if there’s one call to get location information, which is where they ask for address, phone number, and place of employment.
It becomes illegal, however, when they start to reveal details about the debt.
Also, in addition to you yourself being able to sue them when they break the law, your neighbor may have a right to sue.
When these debt collectors abuse location information, the person who supposedly owes the debt may be able to sue under the FDCPA. (The Fair Debt Collection Practices Act….)
Every time a debt collector calls a neighbor, these guys get closer and closer to taking illegal action.
You can sue for money damages when these guys take illegal action.
This will include compensatory damages — damages to compensate you. Part of that compensation is almost always mental anguish damages.
You can receive statutory damages which can be up to $1,000. You don’t have to show you were harmed — this is part of your incentive to sue abusive debt collectors. (It is helpful to you, to consumers, and to honorable debt collectors for the bad debt collectors to be sued).
And the abusive debt collector will likely have to pay your attorney’s fees. This helps motivate them to stop abusing you and to settle the case for full and fair compensation.
This is quite a handy action that can make these debt collectors think twice before breaking the law.
If you have any questions…
We’d love to chat with you.
You can reach us by phone at 1-205-879-2447.
Or, if you like, you can fill out a contact form and we will get in touch with you.
We look forward to hearing from you, and helping you figure out your best course of action.
Thanks for reading, and have a great day!