Nanoparticles as lubricant additives under a certain average diameter and concentration may reduce wear, friction and scuffing damage. However, atmospheric dust particles affect not only human health but also the efficiency of components, and even cause component failures. Therefore, the contact characteristics at interfaces with foreign particles require careful investigation. In this work, a 3-body microcontact mechanics concept is used to analyze the effects of wear debris and foreign particles on real contact area, contact mode, asperity deformation type and separation at interface. The results show that the relationship profile between dimensionless real contact area (At*) and dimensionless normal contact load (Ft*) is wedge-shaped in a 3-body contact interface. Using surface-to-surface 2-body contact area as upper bound and surface-to-particle 3-body contact as lower bound, the 3-body hybrid contact situation is in between upper and lower bounds. As the dimensionless normal contact load increases, At* increases gradually as well. The order of contact mode is p-s contact, hybrid contact and then s-s contact. If the 3-body contact interface is in hybrid contact mode, the decrease in the hardness and average third body diameter will cause the At* to increase significantly at the same Ft*. Conversely, the separation and real contact area ratio of plastic deformation decrease gradually. The turning point of contact area (TPCA) occurs when the contact mode is within hybrid contact mode and the ratio of average third body diameter to the composite equivalent surface RMS roughness is about 50–70% for foreign particles and wear debris. When the Ft* is slightly larger than Ftpca*, the third body and surface share the total interface load approximately equally which will help reduce the real contact pressure and plastic contact area to improve surface performance.