Whom May A Creditor Contact About A Debt?

A creditor may contact any person to locate a debtor. However, in doing so, the creditor usually may not talk to anyone more than once or refer to the debt when talking to that person. If creditors use the mail to contact anyone, they may not send letters in envelopes identifying themselves as creditors. They also may not send a postcard. Once creditors know that a lawyer has been hired, they may communicate only with the lawyer.

The information on this page is meant to provide a general overview of the law. The laws in your state and/or city may deviate significantly from those described here. If you have specific questions related to your situation you should speak with a local attorney.

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