Can creditors contact my friends and family members?

If your main concern is that creditors are harassing you remember that collectors cannot…contact your friends & other third parties, except for your attorney, a credit reporting bureau or the original creditor, and only for the limited purpose of finding information about where you are.

Collectors can contact your spouse, your parents if you are a minor and your co-debtors unless you have asked them in writing to stop contacting you. Collectors cannot call you repeatedly or contact you before an unreasonable time. The law presumes that before 8 a.m. or after 9 p.m. is unreasonable.

They cannot contact you at work if your employer prohibits it, use or threaten to use violence, use obscene or profane language, place calls to you without identifying themselves as bill collectors, claim that you owe more than you do, claim to be attorneys if they're not, claim that you'll be imprisoned or your property will be seized, send you papers that resemble legal documents, and they collectors cannot add unauthorized interest, fees or charges to what you owe.