Can debt collectors send mail to family

In the United States, debt collectors are generally prohibited from sending mail to a consumer's family members or other third parties, except in certain limited circumstances. Here are some guidelines:

  1. Fair Debt Collection Practices Act (FDCPA): The FDCPA, a federal law, regulates the behavior of debt collectors. Section 1692c of the FDCPA prohibits debt collectors from communicating with a consumer's spouse, parent, or other family members about the debt, except:
    • To obtain location information about the consumer.
    • To verify the consumer's identity.
    • To inform the consumer's spouse or parent that they may be responsible for the debt.
  2. Creditor's rights: While debt collectors are generally prohibited from contacting family members, creditors (the original lenders) may have more flexibility. Creditors may contact a consumer's spouse or other family members to:
    • Verify the consumer's identity.
    • Obtain information about the consumer's financial situation.
    • Discuss the debt and potential payment arrangements.
  3. State laws: Some states have their own laws that may provide additional protections for consumers. For example, California's Rosenthal Fair Debt Collection Practices Act prohibits debt collectors from contacting a consumer's spouse, parent, or other family members, except in limited circumstances.
  4. Exceptions: There are some exceptions to these rules. For example:
    • If a consumer has given written permission for a debt collector to contact their family members.
    • If a consumer's family member is also a co-signer or guarantor on the debt.
    • If a debt collector is attempting to locate a consumer who has moved and left no forwarding address.

In summary, debt collectors are generally prohibited from sending mail to a consumer's family members, except in limited circumstances. Creditors may have more flexibility, but they must still comply with federal and state laws. If you're experiencing harassment or unwanted contact from a debt collector, you may want to consider consulting with an attorney or contacting your state's Attorney General's office for guidance.