Now your account is with the debt collector company. Funny thing, though: by law your debt information cannot be shared without your consent. You probably heard this a lot about the HIPAA laws, where medical information cannot be released by law. But this also applies to any other debt, not just medical debt. And it’s not just about personal information, it applies to all the information in your account. Without your express permission, your account cannot be transferred to any third party. Remember when you call them up and they ask you to verify that it’s you? Nothing changed. They need the account holders consent. Do you recall giving it to them?
And what do you know about contract law?