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There are federal protections to prohibit harassment or abusive communications by a debt collector. Ignoring or avoiding a debt collector, though, is unlikely to make the debt collector stop contacting you. They may find other ways to contact you, including filing a lawsuit.

Collectors are required by Fair Debt Collection Practices Act (FDCPA) to send you a written debt validation notice with information about the debt they're trying to collect. It must be sent within five days of the first contact. The debt validation letter includes: The amount owed.

Ignoring Debt Collectors Can Lead To More Contact From Them But if they aren't able to reach you through these traditional channels, they may try to contact your friends, family members, or employer. It's also legal for debt collectors to contact you on social media.

You will probably be sued If a debt collector is unable to find you, don't think you are in the clear. If you continue to ignore communicating with the debt collector, they will likely file a collections lawsuit against you in court.

Unfair Practices ? 15 U.S.C. 1692f A debt collector may not use unfair or unconscionable means to collect or attempt to collect a debt.

If the debt is not collected, then the debt collector does not make money. In many cases, although you would think that debt collectors would eventually give up, they are known to be relentless. Debt collectors will push you until they get paid, and use sneaky tactics as well.