Can a collector contact a neighbor and pose as a concerned friend asking the neighbor to deliver a message to the debtor?

No. What they can do is make one initial contact of a neighbor or relative to determine if the debtor still resides at the address. They cannot tell the person why they need the information and they most definitely cannot pose as a "friend".

Nor can they ask the person to deliver a message requesting they be contacted. This is a direct violation of the FDCPA and should be reported to the state's Attorney General.

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