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Permissions, Release Forms and Libel Insurance for a Ghostwritten Memoir

This entry is part 166 of 174 in the series Ghostwriting
TL;DR: Nobody’s permission is required to write truthfully about your own life. Lawsuits come from false statements that damage a reputation and, in many states, from true private facts published with no news value. A signed release is written consent and removes most of the risk from that person. Photos belong to whoever took them and letters to whoever wrote them, so both need the copyright owner’s permission. Libel insurance comes through a publisher’s policy or a specialist broker, and a media lawyer’s legal read before publication is your best protection.

The biggest offer I’ve ever received was for a book that named names. I turned it down. The danger to me was too high, and no fee changes what a lawsuit or an angry subject can do to a writer’s life.

Your own story is yours. The trouble starts with everyone else in it, from the ex-husband to the boss who fired you on a Friday. They’re real people with rights of their own, and a memoir that forgets that can cost its author far more than the book ever earns.

Think of a memoir as a group photograph. You’re in the center of the frame, you asked for the picture, and you decide which shot goes in the album. Everyone else in the frame is a real person, some of them didn’t want to be photographed, and a few would sue over how they look in it. Your job is to crop with care and have someone check the print before it goes on the wall.

Do I need permission to write about someone in my memoir?

The law doesn’t require it, since nobody owns the facts of your life, and you can write truthfully about the people in it without asking them first. What you can’t do is publish things that expose you to a claim, and three kinds of claim matter for a memoir.

Defamation is the big one. It covers false statements of fact that identify a person and damage their reputation, and the Digital Media Law Project’s guide to defamation notes that it’s governed by state law, so the details change from state to state. Truth is a complete defense. Pure opinion, the kind that can’t be proven true or false, is protected. An accusation someone could check doesn’t become pure opinion because you put “I think” in front of it. Public figures have to prove actual malice, a much higher bar than a private person faces.

Publication of private facts catches people off guard, because truth doesn’t protect you. The DMLP’s guide to private facts sets out the elements: the fact was private, you made it public, a reasonable person would find the disclosure highly offensive, and it wasn’t newsworthy. A sibling’s medical history or a friend’s affair can fit that test even when every word is accurate.

Misappropriation rounds out the list: using someone’s name or likeness to sell something. That’s rarely a problem inside a memoir’s pages. It becomes one when a real person’s name or face shows up on the cover or in the ads without permission.

People who die can’t bring a private-facts claim, according to the DMLP guide. That leaves their families free to be furious, and it leaves defamation of the living people connected to them fully in play.

Do I need a memoir release form?

You need one for anyone you portray in a way that could hurt them, and for anyone whose private life fills more than a passing paragraph. A release is the person’s written consent to be portrayed, and the DMLP’s guide to publishing personal and private information advises getting consent from the people who could be offended if you’re worried about liability.

A good release names the book, describes how the person appears in it, and lets them read the passages about them before signing. Have a media lawyer draft it. A homemade release that doesn’t describe what it covers invites a fight over what the person agreed to, and a release signed after publication comes too late to shape the book.

Ask in person or by phone, and bring the pages. A release request that arrives as a form letter reads like a threat, and a person who has just learned they’re in your book deserves to hear it from you. Some people sign once they see the chapter is fair. Others ask for a detail changed. Make that trade, since a changed detail costs you a sentence and a signed release protects the whole chapter.

When someone refuses to sign, listen to the refusal. Would you sign a release for a chapter about the worst year of your marriage, written by the person who left? A family once asked to be left out of a coaching book I was writing, and a whole chapter came out. If they say no, take them out.

Divorce and bad-marriage material comes up in memoir interviews all the time, and clients start out hurt and wanting the other person to pay. I talk them down and coach a balanced rewording. A balanced version is also legally safer. I decline revenge memoirs outright, and my piece on why a revenge memoir is a bad idea explains the reasons.

Does changing names in a memoir protect me from a lawsuit?

Only if the person can’t be identified from what’s left. Defamation requires that the statement identify the plaintiff, and a new name does nothing when the job title, the town, the year and the car are all still in the paragraph. Your ex-wife’s friends will know who “Linda” is.

Change the details that point to the person, keep the ones that matter to your story, and cut the ones that do neither. What would a neighbor from that town need to read to recognize him? Change that, and leave the rest of the scene alone. I brief my clients on these risks the way a trusted advisor would and show them how to change details without gutting the chapter.

When a client drifts into material that can’t be published, I stop and ask them to tell it again in a way that can. The event stays in the book and the detail that would get them sued comes out, the way you’d crop a photo.

If you’d rather disappear from the byline entirely, a pen name is another tool, and my article on writing a memoir under a pen name covers what it protects and what it doesn’t.

Can I use photos of other people in my memoir?

You can use them with permission from whoever owns the copyright, and that’s the photographer. A print in your drawer doesn’t make you the owner of the picture. Section 201(a) of the Copyright Act gives copyright to the author of the work, and section 202 says owning a physical copy doesn’t convey any rights in it.

That shoebox of family snapshots is full of other people’s copyrights. The wedding photos belong to the studio that shot them. The picture of you at nineteen belongs to the aunt who took it, and after she dies, to whoever inherited her rights. Newspaper photos belong to the paper or the photographer. Get written permission for each image, from the right owner, before it goes in the book.

The people in the photos are a separate question. A picture that shows an identifiable person in a private or embarrassing moment raises the same privacy problems as a paragraph describing it.

Fair use under section 107 exists, but it’s a defense you argue after someone objects, and the four-factor test doesn’t give you a yes in advance. Have a lawyer decide whether an image you can’t license is worth the risk.

Can I publish letters someone else wrote to me?

The words belong to whoever wrote them, even though the paper is yours. Section 202 says that transferring a material object doesn’t transfer the copyright in the work on it. A letter your mother wrote you in 1985 is yours to keep, and its text belongs to her or, after her death, to her heirs.

That copyright lasts a long time. Under section 302, it runs for the writer’s life plus 70 years, so letters from a parent who died a decade ago are still protected. Your siblings can co-own those rights through the estate, so they all get a say before you quote those letters.

You can describe what a letter said in your own words. Copyright protects expression, and section 102(b) says it doesn’t extend to ideas or concepts, so “she wrote that she’d never forgive him” is safe where a full page of her prose isn’t. Short quotations can qualify as fair use. Long ones need permission from the copyright owner, in writing.

Letters matter most in memoirs built from a late parent’s papers. I’ve written those from the papers and from interviews with siblings and family, and the family’s agreement is part of the work from the first conversation. My article on finishing a late parent’s memoir from journals and recordings goes further into that kind of project.

Do I need libel insurance for my memoir?

If your book says hard things about identifiable living people, yes, and where you get it depends on how you publish. The Authors Guild’s page on media liability insurance lists the risks it covers: copyright infringement, defamation, public disclosure of private facts, and misappropriation of name or likeness.

Traditional publishers carry their own liability insurance. Most publishing contracts, the Guild points out, make the author indemnify the publisher for claims, and some publishers make the author reimburse the deductible or half of it. The Guild calls those costs significant. Read the warranty and indemnity clause in any publishing contract with a lawyer before you sign it. I can’t stand how casually publishers push that risk down onto the one person in the deal with the least money.

Self-publishers have no corporate policy behind them. The Authors Guild’s own member insurance program ended in 2022, and Penguin Random House authors can now get coverage through their publisher. Independent memoir authors are left shopping on their own. A broker who handles media liability can tell you what’s available and what they’ll need from you. Brokers ask what the book says about real people and whether a lawyer has read it, so have both answers ready. Ask before the book goes live, since a policy bought after a demand letter arrives won’t cover that claim.

A legal read is a media lawyer going through your manuscript line by line before publication, looking for defamation, privacy and copyright problems, and telling you what to change. It’s checking the print before it goes on the wall.

The lawyer flags statements of fact that can’t be proven, private details that aren’t newsworthy, people who can still be identified behind a changed name, and quoted material nobody licensed. They’ll ask what documentation you have. The DMLP’s practical tips on avoiding reputational claims say to save your research and documents, and to make sure opinion reads as opinion. Every flagged passage you can back with a document, a date or a witness has a far better chance of staying in the book.

Get one if your memoir involves a divorce, a business dispute, a crime, or anyone who’d be upset to read about themselves. Schedule it after the manuscript is final, because a change made after the read is a change nobody checked. A ghostwriter can reduce the risk long before that stage by writing carefully, and I tell every client at the kickoff meeting never to tell me anything they don’t want in the book, because months later I won’t remember what was private.

A legal read costs far less than defending a lawsuit, so book it before the cover designer. If the book is headed toward a fight with a particular person, read my piece on writing a book about your ex, your boss or your old company first.

Crop the photo before it goes on the wall

Start the list now. Write down everyone who appears in more than a passing line, mark who could be hurt, and decide who gets a release request, who gets a changed name and who comes out. Gather permissions for every photo and every quoted letter while the owners are still reachable. Then have a media lawyer read the finished manuscript, and sort out insurance before the book goes on sale.

Memoirs die in court because somebody sold the author on “it’s my story, I can say what I want.” It is your story, but the people in it didn’t sign up for your book. The websites and course sellers who pretend otherwise won’t be anywhere near the deposition.

If you’re planning a memoir with a lot of real people in it, my ghostwriting services build that care in from the first interview, and the Book Discovery Intensive is a good place to map out who’s in the frame. The Ghostwriting Hub has more on memoirs and the law.

Get this right and the photo goes on the wall with everyone in it who agreed to be there, and nobody outside the frame holding a subpoena.

Frequently Asked Questions

Can I quote song lyrics in my memoir?
Only with permission. Lyrics are copyrighted, and even a few lines can need a license from the music publisher that controls them. Song titles are a different matter, since the Copyright Office treats titles and short phrases as uncopyrightable, so you can name the song that was playing.
Can I write about my ex in a memoir?
Yes, if what you write is true, stated as opinion where it’s opinion, and doesn’t expose private facts that serve no purpose in the story. Revenge is the fastest way into a lawsuit. A balanced account is safer and makes a better book.
Can I write about my children in a memoir?
Yes, and it deserves more care than any other chapter, because they didn’t choose to be in your book and will live with it longest. Leave out anything private that doesn’t serve the story, and give adult children the pages about them before publication. Their private facts carry the same legal risk as anyone else’s.
Can a dead person’s family sue over my memoir?
A dead person can’t bring a private-facts claim, and their estate can’t bring one for publication after death. Family members who are alive can still sue over anything that defames or exposes them, and the heirs can own the copyright in the dead person’s letters and photos.
Do I need permission to use a real company’s name in my memoir?
No. You can name a real employer or business to tell what happened there. A company can bring a defamation claim like a person can, so keep statements of fact about it provable, and keep its logo off your cover, where it would suggest an endorsement you don’t have.
Should I show my memoir to family before publication?
Show the pages to anyone you’d want a release from, and to anyone who’d be blindsided reading them in a bookstore. You don’t owe everyone a veto, but a conversation before publication beats a phone call after it. Decide in advance which changes you’ll accept and which you won’t.
Should my ghostwriter know about legal risks in my memoir?
Yes. A good memoir ghostwriter will flag passages that name or expose real people and show you how to change details, while leaving the final legal judgment to your lawyer. Tell them early about any agreement, settlement or dispute that limits what the book can say.

About the Author
Richard Lowe, professional ghostwriter

Richard Lowe is a professional ghostwriter and author with 113+ books authored and 54+ ghostwritten. Before writing full time he spent 33 years in enterprise technology, including 20 years as Director of Computer Operations and Technical Services at Trader Joe's. He writes nonfiction, fiction and memoir, and works with executives and experts on books that build authority.

More about Richard Lowe →

Disclaimer

The views and opinions expressed in this blog post are solely those of Richard Lowe and are based on personal experience and research. This content is for informational purposes only and should not be construed as professional legal, financial, accounting, or business advice. Always consult with qualified professionals before making important business or legal decisions. Richard Lowe is not a lawyer, accountant, or licensed professional advisor, and this content does not establish any professional relationship.

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