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Obtaining Credit Information on Spouse

Question: My spouse had a collection agency sue her for a bad debt. I was not named in the suit and had no legal ties to the debt. The agency attempted to gain information about my employment, income, debts, etc. so they could use my information for garnishment purposes. Can I do anything?

Answer: Depending on what they did you may well have a claim. For example, did they pull your credit report? Contact your employer? Attempt to collect the debt from you? If you both reside in Illinois, they have no basis for obtaining information about or attempting to collect from you, and their activities may violate the Fair Debt Collection Practices Act, Fair Credit Reporting Act, or other laws.

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