I was recently late on a credit card payment, and they called my husband's cell phone, he is not on the account. They told him how much I still owed and my account information. Is this legal?
2007-05-17 06:15:52 · 8 answers · asked by ♥windi♥ 2 in Business & Finance ➔ Credit
Original creditors and collection agencys can legally tell a spouse details of an account that the spouse is not liable for.
While it would be illegal for a collection agency to disclose info about your account to someone other than you or your spouse, original creditors can legally get away with it - unless you live in a state that treats original creditors the same as collection agencies
It is legal - unfortunately.
2007-05-17 10:36:36 · answer #1 · answered by echo 7 · 0⤊ 0⤋
It depends on the policies the creditor has. I have never dealt with a company worse then GEMB Jewelry card services. They would not discuss a letter they mailed to a client to remove a 30 day late. The 3 credit reporting agencies called to confirm the authenticity of the letter, then they mailed it, then they refused to let the account holder authorize his account information disclosed to a 3rd party.
From that nightmare I learned each creditor has a disclosure, and in that disclosure they must have a policy for discussing you account with 3rd parties.
2007-05-17 06:31:30 · answer #2 · answered by Jacque w 3 · 0⤊ 0⤋
Depending on the State you live in. In some States, the debts are considered to be joined, even though your spouse is not in the account.
In other States, even when you are married the debts are individual not joined.
You would need to check the credit laws in your State. I cannot help you search this, since you didn't say what State you live in.
In addition, contact your credit card company and place a complaint and change your contact information so they won't harrass your husband any longer.
Good Luck....
2007-05-17 06:26:29 · answer #3 · answered by Anonymous · 0⤊ 0⤋
It depends on the state that you live. If you live in AZ, GA,Iowa, or MA they can NOT talk to your husband but in any other state they can. If you tell them not to talk to your husband then they cant. The only way you can get them to stop calling is either make payments or send them a letter in writing telling them to stop contacting you. Telling them that you are recording them and all that doesnt work I am a collector trust me they will still call you. If you call around the end of the month youi can usually gte a good settlement and only pay about 30% of the balance if its in collections.
2007-05-17 08:48:48 · answer #4 · answered by Miss.E 2 · 0⤊ 0⤋
This would only be legal if he is also on the account. You should alert the company about this. Most calls are monitored so they should be able to track the agent that spoke with your husband.
2007-05-17 06:21:30 · answer #5 · answered by Anonymous · 0⤊ 0⤋
You can report it but it may not do much good. My fiance had some creditors calling the house trying to collect money....because I was not his "wife" they were not allowed to duscuss balances or anything about his accounts with me. If we had been married, they could have told me anything I wanted to know!!
2007-05-17 06:27:26 · answer #6 · answered by dirttrackgirl_77 5 · 0⤊ 0⤋
Well perhaps if the only contact number they had for you was your husbands cell they might call it.
But otherwise they are only suppose to talk to the cardholders that are the account.
2007-05-17 06:26:30 · answer #7 · answered by Anonymous · 0⤊ 0⤋
This is certainly unethical if not actually illegal. Yes, report it.
2007-05-17 06:25:17 · answer #8 · answered by Robert S 6 · 0⤊ 0⤋