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?
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.