Bernadette: Unwanted contact
“It was very overwhelming for them to contact my family. I didn’t want anybody to know of this personal matter.”
Bernadette told us that a collection agency left her a message at work. Shortly thereafter, she says the collection agency contacted her dad, sisters, and a friend.
Bernadette is not alone
More than 2 in 10 consumers contacted about a debt in collection said that the creditor or collector contacted someone other than their spouse, co-signer, or attorney.
Source: CFPB research report: Consumer Experiences With Debt Collection, 2017
Share your debt collection experience
The more we hear from you, the more insight we gain into what’s happening in the financial world and how it’s affecting you. Your experience will help inform how we work to protect consumers to create a fairer marketplace.
Steps you can take if you’re in a situation like Bernadette
Get help replying
Do you need to write a debt collector about a debt or dispute? Do you want them to stop calling you? We have action letters that can help.
Here are some commonly asked questions related to unwanted contact.
- Can debt collectors tell other people, like family, friends, or my employer, about my debt?
- What is harassment by a debt collector?
- Are there laws that limit what debt collectors can say or do?
Submit a complaint
Having an issue with debt collection and need a response from a company? Submit a complaint – we’ll forward your complaint to the company and work to get a response from them.
Learn more about debt collection
Our resources will help you understand how debt collection works, what your rights are, and help you address other questions you may have about debt collection.
What we’re doing
In July 2016, we outlined a number of proposals under consideration regarding debt collection, including:
- Improving the quality of information about the debt being collected
- Limiting the frequency with which debt collectors may contact consumers
- Improving the information that consumers have at the outset of collections
- Improving consumer understanding of the debt collection process
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More stories about debt collection
Consumers across the country shared their experiences with debt collection.