Articles 13 and 14 GDPR using the example of a debt collection agency

Foreword

According to Recital 47 and Article 6 of the GDPR, a creditor has a legitimate interest and thus the right to engage a debt collection agency vis-à-vis defaulting debtors.

Article 13 GDPR

This means that in the case of direct data collection, the person concerned must be informed extensively about the processing of his personal data. This usually happens when the creditor registers with the collection agency.

Article 14 GDPR

This means that in the case of indirect data collection, the person concerned must be informed extensively about the processing of his personal data. This usually happens during the first activity of the collection agency towards the debtor.

The debtor will be informed about the origin of the data and the processing of his personal data.

Main target

The main objective of both articles is to provide extensive transparency to the affected party.