Notice: We are still operating during the COVID-19 crisis. However, we are not allowing visitors to our office and most of our staff is operating remotely. Our attorneys and staff are still available to help you by phone and email. If you get our voice mail, please leave a message and it will be returned promptly. There may be delays with mail due to the crisis, so please try to send documents by email after submitting a contact form here or fax to 312-419-0379, if possible.

Can Debt Collectors Leave Messages on My Answering Machine?

Question: Can debt collectors leave messages on my answering machine?

Answer: Not unless they know that the only persons with access to the machine are yourself and your spouse. It is a violation of the Fair Debt Collection Practices Act for a debt collector covered by the Act to leave messages unless the caller identifies the company for which he or she works and states that the purpose of the call is debt collection. It is also a violation to communicate with anyone other than the consumer or the consumer’s spouse about a debt. (Parents of an adult consumer, children, and significant others are not included.) Therefore, the collector cannot leave a message, unless the only persons who have access to the message are the consumer and the consumer’s spouse.