Unwarranted Circumstances Surrounding Debt After Death
Collectors have only limited rights to contact your relatives or executor under the Fair Debt Collection Practices Act. Still, collection agencies have been known to pursue payment of a deceased person’s debts, regardless of the circumstances. Family members who are informed about the basics and exceptions above are better equipped to field collectors’ calls, during a difficult time.
If collectors overstep their limits or if a beneficiary wants them to stop calling, the FTC recommends sending the collection agency a letter by certified mail, including “return receipt,” and reporting any further problems to the state attorney general’s office.