Can debt collectors call my employer and tell them they are calling about my debts?

Answer: No. A debt collector generally may not contact your employer or other third-parties about the debt. Debt collectors may ask your employer to verify your employment, or ask for your address or telephone number.

Generally, a debt collector is only permitted to discuss your debt with you, your spouse, or your attorney. Also, if a debt collector knows that you are not allowed to receive the debt collector’s calls at work then the debt collector is not allowed to call you there. If your employer does not allow you to receive personal calls at work you should let the debt collector know that.

We have prepared sample letters that a consumer could use to respond to a debt collector who is trying to collect a debt along with tips on how to use them.  The sample letters may help you to get information, set ground rules about any further communication, or protect some of your rights. 

Ask CFPB provides general consumer information. It is not legal advice or regulatory guidance. The CFPB updates this information periodically.

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