What Does Communication Mean - FDCPA

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"Communication" refers to any kind of contact between a debt collector and a consumer regarding an alleged debt. If you've been in communication with a third-party debt collector, you should speak with an FDCPA attorney as soon as possible.

What Forms of Communication is Illegal Under the FDCPA?

The FDCPA regulates what types of communication a third-party debt collector can do. For example, a debt collector cannot call you during inconvenient hours of the day, such as before 8 AM or after 9 PM your time. A debt collector also cannot send you any from of mail that's clearly from a debt collection agency.

A debt collector is required to protect a consumers' rights through communication by protecting the knowledge of the alleged debt from uninvolved third parties. For example, a debt collector cannot leave a voicemail stating that the call was regarding an alleged debt. The voice mail may only ask for a better time to speak or a best method of contact.

Working With an Attorney

Communicating with a third-party debt collector can feel exhausting. Once you speak with an FDCPA attorney, you are no longer required to communicate directly with the debt collector. Instead, all communication must go through your attorney. This gives consumers peace of mind and ends harassing calls.

To speak with an FDCPA attorney in your area, fill out our Free Case Evaluation on the left-hand side of this page. You will be connected with an FDCPA attorney in your area for a free claim review.