Can debt collectors tell third parties about my debt?

No – FDCPA § 1692c(b) prohibits disclosing debt information to third parties except in limited location circumstances.

What if they left a voicemail mentioning the debt?

Illegal third-party communication if others can hear it. You can sue for damages.

How long do I have to sue under FDCPA?

One year from the date of the violation.

Third Party Location Information – Sue Debt Collectors for FDCPA Violations & Recover $1K–$50K+ (2026)

Debt collector disclosed your debt or personal information to a third party (family, friends, employer, or neighbor)?
This is a clear violation of FDCPA § 1692c(b) – “third-party location information” rules.
Illegal disclosure = $1,000 – $50,000+ settlement
100% FREE – collector pays our fees + your cash

What Is “Third Party Location Information” Under FDCPA?

The FDCPA (15 U.S.C. § 1692c(b)) strictly limits what debt collectors can say to third parties (anyone other than you, your spouse, or your attorney). They can only contact third parties to locate you – and even then, they cannot reveal they are debt collectors or that you owe a debt.

Violation	Average 2026 Settlement
Disclosed debt to family/friends/employer	$10,000 – $50,000+
Left voicemail revealing debt details	$8,000 – $35,000+
Sent letters/postcards visible to others	$10,000 – $40,000+
Called neighbor or relative about debt	$15,000 – $50,000+
Willful or repeated violations	$20,000 – $60,000+ (punitive)

Common Third Party Disclosure Violations

Calling your employer and mentioning the debt
Leaving voicemails that others can hear (“This is a debt collector”)
Sending letters with “debt collection” visible on envelope
Telling family members “your relative owes money”
Posting on social media or contacting friends online
Disclosing medical or private debt details to third parties

Compensation for Third Party Disclosure Violations

Up to $1,000 statutory damages per lawsuit
Actual damages (embarrassment, emotional distress)
Punitive damages for willful violations
Attorney fees and court costs (paid by collector)
Settlements often $1,000 – $50,000+ depending on severity

We Sue These Debt Collectors for Third Party Disclosures

Portfolio Recovery Associates
Midland Credit Management
LVNV Funding
Jefferson Capital Systems
National Credit Adjusters
Cavalry Portfolio Services
Velocity Investments
Local collection agencies nationwide

Real Third Party Disclosure Wins (2026 Examples)

Case 1: Called employer about debt → $32,000 settlement.
Case 2: Left voicemail disclosing debt → $25,000 recovery.
Case 3: Told family member about medical debt → $38,000 settlement.
Case 4: Multiple disclosures → $48,000 total.