LAWDOG Fair Debt Collection Practices
Act
MORE DETAIL: A
Consumer Reporting Agency
LAWDOG
is intended to assist in the understanding of basic concepts. See Disclaimer.
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A Portion of Section 805.......
Communication in connection with debt collection...
(b) Communication with third parties
Except as provided in section 804 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.
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(d) "Consumer"
defined
For the purpose of this section, the term "consumer"
includes the consumer's spouse, parent (if the consumer is a minor), guardian,
executor, or administrator.
![[FTC Staff Commentary]](oftc5.gif)
5. Non-excepted parties. 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.
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