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Communication With Third Parties
LAWDOG is intended to assist in the understanding of basic concepts. See Disclaimer. Always obtain legal advice from legal professionals.
Communication With The Creditor
Except as provided in Section 804, which covers "locating" consumers, 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 Section 805 (b) of the Fair Debt Collection Practices Act reproduced here for illustration purposes only.
Communication Only With Specified Parties
A portion the FTC Official Staff Commentary for the Fair Debt Collection Practices Act, reproduced here for illustration purposes only, includes the following:
"A debt collector may discuss the debt only with the parties specified in this section (consumer, creditor, a party's attorney, or credit bureau). For example, unless the consumer has authorized the communication, a collector may not discuss the debt (such as dishonored check) with a bank, or make a report on a consumer to a non-profit counseling service."
A copy of the Fair Debt Collection Practices Act is reproduced for illustration purposes only
here. A copy the FTC Official Staff Commentary on the Fair Debt Collection Practices Act is reproduced for illustration purposes only here. Read Sources and Disclaimer. Links do not return to this page. Use browser "back" button to return.
