In the Commonwealth of Pennsylvania, is a debt collector allowed to speak to the spouse of a Consumer if the spouse is not a signitor of the agreement creating the debt? If so, does the consumer have to give permission first? I'm trying to figure out if a collector is allowed to speak to my wife for a credit card I had before we were married.
2007-03-13 10:20:49 · 3 answers · asked by Anonymous in Business & Finance ➔ Credit
Under the Federal Consumer Debt Collection Law, a collection company CANNOT just talk to anyone. When you and your wife married, she did NOT inherit the debt. It's yours and yours alone. Contact your State Attorney Generals, Consumer Protection Division, and they will help you. If they talk to your wife about the debt, it's called 3rd party notification, and beleive me, it's against the law!
2007-03-15 03:00:54 · answer #1 · answered by gene m 3 · 0⤊ 0⤋
The debt also became your wife's the day you married according to the law,even as married if one of you get a personal credit card it still is the responsibility of the spouse even if they didn't sign their name to it due to your marriage made it belong to both of you, now in a divorce it must be stated as to whom each or all debts will be whose responsibility otherwise they will belong to both of you.
2007-03-13 10:33:01 · answer #2 · answered by Anonymous · 0⤊ 2⤋
it has nothing to do with the state, debt collection is governed by the Fair Debt Collection Practices Act, which is federal law. I think they can speak to whoever answers your phone.
2007-03-13 10:25:27 · answer #3 · answered by njyogibear 7 · 0⤊ 1⤋