Legal Question in Credit and Debt Law in Pennsylvania

Is it legal for a credit card company to give all of your acct info to a spouse who is not authorized on the account?


Asked on 10/27/11, 8:30 am

1 Answer from Attorneys

No. See the Fair Debt Collection Practices Act, 15 USC � 1692c (b) Communication with third parties which says:

Except as provided in section 1692b of this title, without the

prior consent of the consumer given directly to the debt collector,

or the express permission of a court of competent jurisdiction, or

as reasonably necessary to effectuate a postjudgment judicial

remedy, a debt collector may not communicate, in connection with

the collection of any debt, with any person other than the

consumer, his attorney, a consumer reporting agency if otherwise

permitted by law, the creditor, the attorney of the creditor, or

the attorney of the debt collector.

See also the PA Fair Credit Extension Uniformity Act, 73 P.S. � 2270.4 which says the same thing.

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Answered on 10/27/11, 10:30 pm


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