People who find themselves in difficult financial positions understand how intrusive and obnoxious debt collectors can be when attempting to communicate with the debtor about the repayment of their debts. The good news is a debt collector cannot contact you by phone, mail, or email if you have informed them you have retained an attorney. Upon retaining an attorney, the debt collector must deal with your attorney directly and must cease attempting to communicate with you. Additionally, if a debt collector is contacting you at work and you let them know that your employer will not allow you to take personal calls; they have to stop calling you at work.
Debt collectors have to conduct their calls during reasonable hours. They cannot call you early in the morning or really late at night. If they make contact with your friends or family during their attempt to reach you, they can only ask them questions regarding how to contact you or your place of employment. They cannot talk to your friends and family about your debt.
They also cannot post information regarding the debt to your Facebook or Twitter accounts. Debt collectors should also never send your Facebook friends or Twitter messages about your debt. Florida Judge W. Douglas Baird made an unprecedented decision in Melanie Beacham vs. MarkOne Financial, LLC (In the Circuit Court of Sixth Judicial Circuit In and For Pinellas County, State of Florida, Civil Division, Case No 10-12883CI-15) barring creditors from using social media sites to locate debtors.