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The protection of privacy and debt collection

In the legal profession, especially in consumer protection, I happen to deal with cases where the alleged recovery of loans is made in a so-called "unprofessional".

Since the phenomenon is widespread, and yet, the rules adopted by the Authority for the Protection of Personal Data are, fortunately, precise and rigorous, I thought I'd use this space to remember which are the limits of recovery. At this

link you can read the full measure and the explanatory note of the Guarantor.

fast way of summary, the fundamental concept is that data relating to the alleged debtor and the debt to be recovered shall not be disseminated inappropriately a third, then:

1) is not permitted to communicate without justification - even by telephone - information about the debt to others;

2) is not permitted the posting of notices of default at the domicile of the creditor if they allow an undue dissemination of personal data of the debtor;

3) there must not be detrimental to the psychological pressure on the debtor's dignity;
4) the stresses of payment must be made known to the debtor using a closed envelope, without specific written (so that no is immediately identifiable by third parties the fact that it is debt collection);

5) the processing of personal data of the debtor must be made in accordance with principles of fairness and lawfulness;
6) completed the task (unless the performance of specific legal obligations) data must be erased.