Gorski Law
Pennylvania & New Jersey Consumer Rights Law Firm
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Contacting Family Friends & Co-Workers

The legal limitations on communications by debt collectors with a debtor's family, friends and/or co-workers. is discussed.


Federal law places strict limitations on communications that a debt collector can make to a person who does not owe a debt that is being collected. These prohibitions significantly limit a debt collector's ability to communicate with a person's family, friends and/or co-workers.  In general, contacting family, friends or co-workers in connection with the collection of debt is prohibited. The only exception to this prohibition is that a debt collector may contact a non-debtor once only to confirm or correct location information. During this communication, the collector is strictly prohibited from disclosing that a person owes a debt. The collector also may not disclose the name of the debt collection company he or she works for unless asked.  

A debt collector has violated federal law if it has engaged in any of the following acts:

  • Contacting family, friends or co-workers for a reason other than to confirm or correct information about your location;
  • Contacting family, friends or co-workers more than once;
  • Disclosing that you owe a debt to family, friends or co-workers;
  • Disclosing the name of the debt collector to family, friends or co-workers who did not request the information.

Do You Need Help?

If a debt collector is contacting your family, friends or co-workers in the manner described above, Gorski Law may be able to help. Gorski Law can help to stop the debt collector's harassing conduct and obtain compensation for any harm you have experienced as result of the these prohibited acts. Initial consultations are always free. Call 215-330-2100 or email the firm to schedule a consultation now.