What to Do If a Debt Collector Calls Looking for Family or Friends

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debt

Getting a call from a debt collector can be unsettling in any circumstance. But what if the collector is chasing one of your relatives or a friend? Or what if they are trying to collect the debt from you, or have mistaken you for the person who owes? Is the phone call legal?

Yes, debt collectors can pursue third parties for information, according to government and privacy sources. But there are limitations, and if the debt collector doesn't stick to the law, you can, in many circumstances, sue them.

Let's take a hypothetical situation step-by-step. You get a call from a debt collector who claims you owe a debt you've never heard of. What should you do?