Debt collectors and creditors aren't allowed to tell other people about your debt. But if a creditor has a court judgment or court order against you, they can tell others about it.
Here is a list of who debt collectors and creditors are not allowed to tell about your debt. There are some times when these rules don't apply. The times when the rules don't apply are listed with the normal rules.
- Collectors and creditors aren't allowed to tell your employer that you owe a debt...
- ...but a debt collector can contact your employer if the collector only asks where to find you and doesn't tell your employer that you owe a debt
- Collectors and creditors aren't allowed to contact your family members...
- ...but if you are married, collectors and creditors can tell your spouse about the debt
- ...but if you are under 18 and live with your parent or guardian, a collector or creditor can tell your parent or guardian about your debt
- Collectors and creditors aren't allowed to inform anyone about your debt or use any kind of communication that would ordinarily be seen by any other person
- For example, a bill collector or creditor can't post your bounced check near the cash register at their business
- A collector or creditor also can't send you a postcard about your debt
Remember: A collector or creditor can do all or most of the things listed above if the creditor has a court judgment or order against you for the debt.