Legal Question in Consumer Law in Alabama

personal information

I have a vehicle financed and my husband has been laid off and I have not paid apr or mays pymt and they called the people listed as my ref on my app and I had already told them last mon the 20th of may that I would western union a pymt anyway they called these people and told them I was 3 months behind is that legal for them to share my personal business like that


Asked on 5/27/08, 2:46 pm

2 Answers from Attorneys
John Watts Watts Law Group, P.C.

Re: personal information

The original creditor can be liable under Alabama state law (invasion of privacy) for doing this type of activities. It depends on the amount of contact and what was said.

This blog posts deals with debt collectors but it maybe will provide you with some background information on why people contact others about your debts.

http://www.alabamaconsumerlawblog.com/2008/04/when_can_a_collection_agency_c.html

Feel free to contact me if you want to discuss this matter in detail.

John Watts

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Answered on 5/29/08, 8:15 pm
Rhonda Hood Hood & Lay, LLC

Re: personal information

If this call was from a collection agency the Fair Debt Collection Practices Act would prevent the debt collector from disclosing your debt or implying you owe a debt to family, neighbors, co-workers, etc. In fact, collectors are only allowed to contact your references to obtain location information about you. The Fair Debt Collection Practices Act does not apply to the actual creditor holding the loan.

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Answered on 5/27/08, 5:03 pm


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