In Indiana, people who are in debt will often be pursued in many ways by creditors and debt collectors. The tactics these entities use will sometimes go right up to the line of legality and propriety. Oftentimes, they go over the line and violate federal law regulating consumer rights. When unfair debt collection practices take place, it is important to understand how the Fair Debt Collection Practices Act helps consumers.
One of the ways in which creditors and debt collectors might violate the FDCPA is by using illegal tactics to acquire the debtor's location information. There are rules that regulate how this can be done and why. When the debt collector seeks the location information from a person other than the consumer, it is required that the debt collector provide identification, say that the contact is to confirm or correct the information as to the consumer's location and, if asked, identify the employer. The debt collector cannot say that the debtor owes debt.