When can creditors contact your references?
Under the FDCPA, a collection agency may contact your references only when they are unable to reach you. However, they are prohibited from revealing any information related to your debt. If you have been in contact with the collection agency, then they don't have the legal right to call and disturb your friends and relatives. Your friends and relatives can tell the collection agency to stop calling them or send a cease and desist letter to them.