The Law That Protects You
Under 15 U.S.C. § 1692c(b), debt collectors may not communicate with third parties about a consumer's debt except in extremely narrow circumstances. Third-party contact is one of the most serious FDCPA violations.
When to Use This Letter
A collector has contacted your family members about your debt
You have received reports that collectors are calling your friends or neighbors
A collector disclosed your debt to a third party
You want to document third-party contact for a civil FDCPA claim
What This Letter Does
Formally demands all third-party contact cease immediately
Cites FDCPA §§ 1692b and 1692c(b) prohibiting disclosure of debts to third parties
Documents the violations for civil litigation
Demands the names of all third parties contacted and content of communications
Warns of substantial actual damage claims for reputation and relationship harm
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DebtDispute provides document preparation assistance and is not a law firm. This does not constitute legal advice. Consult a licensed attorney for legal counsel.