For #2, go here.
For #1, go here.
This time around in our “what debt collectors can’t do” series, let’s talk about when player 3 enters the game. For all of you non-video gamers, you are Player 1, debt collector is Player 2, and any third party is Player 3. There are a series of prohibitions in 15 U.S.C. 1692b concerning what debt collectors can’t do if they communicate with third parties. Here’s a brief check list of prohibitions in that section:
- Failing to identify themselves as a debt collector;
- Stating to a third party that the consumer owes any debt;
- Contacting a third party more than once, unless requested to do so;
- Using postcards;
- Using language or symbols on any envelope or communication indicating debt collection business;
- Contacting a third party after knowing the consumer is represented by an attorney.
But hold up, wait a minute. Does my dog count as a third party? Uh, no. Here’s the specific language describing what a third party is:
“Any debt collector communicating with any person other than the consumer…”
So not my dog. But definitely your neighbor, boss, spouse, girlfriend, boyfriend, friend you are only friends with on facebook and don’t talk in real life, sister, brother, nephew, niece, aunt, uncle, grammy, grampa, and even your kids.
In an effort to be even more exhaustive in my list making, here’s a list of third parties a debt collector CAN contact when trying to collect a debt:
- The consumer
- The consumer’s attorney
- A consumer reporting agency (if permitted by local law)
- The creditor
- The creditor’s attorney
- The debt collector’s attorney
Anyone else, and the debt collector better have prior specific permission from the consumer or local court OR only be seeking location information for the consumer from a third party. Location information means basically the contact information for the consumer, like address and telephone number. And this statute also specifically includes “employer information” as part of the “location information” that a debt collector may seek from a third party.