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URL:  http://boards.fool.com/parents-friends-etc-all-get-called-in-order-to-30951815.aspx

Subject:  Re: Hayseed Discovers Sticker Shock Date:  10/31/2013  10:11 PM
Author:  CCinOC Number:  703472 of 795238

Parents, friends, etc ALL get called in order to "reach" the debtor.

In no event can a creditor call your parents, friends, etc. UNLESS the creditor has succeeded in obtaining a judgment. The creditor can't call you if you tell them in writing not to.

Fair Debt Collection Practices Act
http://www.ftc.gov/os/statutes/fdcpa/fdcpact.shtm

(b) COMMUNICATION WITH THIRD PARTIES. Except as provided in section 804, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than a consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

(c) CEASING COMMUNICATION. If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to