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We're the Consumer Financial Protection Bureau (CFPB), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly.

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Can a debt collector keep contacting me if I have an attorney?


No. If the debt collector knows that an attorney is representing you about the debt, the debt collector must contact your attorney and cannot contact you. 

This is only true if the debt collector knows, or can easily find out, the name and contact information of your attorney. If an attorney is representing you and a debt collector contacts you, tell them which attorney is representing you and that they should contact the attorney. It is generally a good idea to tell the debt collector in writing that you have an attorney.

If your attorney fails to respond to the debt collector within a reasonable period of time or your attorney says that the debt collector may get in touch with you directly, then the debt collector may contact you. 

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