Legal Question in Credit and Debt Law in Wisconsin
debt collections
What are the legalities of debt collectors giving out personal information to anyone other than the individual that owes the debt? I am single 28 y/o and the collections company got a hold of my parents and asked if this was Mrs. ______ and proceeded to give out the information of the entire account, putting unneeded stress on my mother. They thought it was my wife. Any info on this would be greatly appreciated.
1 Answer from Attorneys
Re: debt collections
Athough there are rules against harrassment by collectors,
the WI courts have held that it is not harrassing for a creditor
to make reasonable inquiries with the debtor and relatives about plans for payment
and the status of the account. Your debt collector
does not have the same confidentiallity duties that your doctor has.
Collecting a debt in court is always a fully
public proceeding with all court records
accessable to the general public, often over
the internet. If you have a big problem with debt
collectors, you may wish to consider a more permenant
solution such as debt counseling or bankruptcy. I'd
be happy to go over you situation with you in more
detail if you send a private e-mail.