For our purposes here, we’ll define minor as people that have not reached their 18th birthday.
There is absolutely no reason for collectors to even talk with a minor AND collectors are prohibited from discussing your debt or anything about your account with unauthorized third parties. They are also prohibited from using any threats or abusive language.
Regardless of the status of your account, DO NOT let collectors harass your children or any other minor.
Immediately report illegal behavior to your state attorney general and the FTC. Use the attorney-general link below to locate yours and then file a formal complaint.
While you’re on the phone or the web site, ask if they can offer any assistance such as calling or sending the collector a written warning to stop harassing you and your children. Also ask for a reference to any state laws that offer protection from harassment.
There may be instances where discussing your situation over a public forum could potentially compromise your interests. On these occasions we will contact you directly via email in order to answer your inquiry in a confidential manner.