This legal memorandum seeks to provide a solution for online loan customers who
experience billing through unethical desk collectors by distributing personal data.
Writing this legal memorandum examines the validity of agreements on illegal
online loans and legal protection for data dissemination by debt collectors. By
using a normative juridical approach, by looking at the relevance of the case to
existing laws and regulations, it is concluded that the legal position of the
agreement on online loans is valid because it has a legal basis in the Civil Code,
while the validity of the evidence used refers to Law Number 11 of 2008 regarding
ITE Article 5 concerning information, documents and electronic signatures. that
agreements made by Illegal Online Loans are legally flawed. The act of a Debt
Collector who collects bills by sharing customer personal data is a criminal act.
Besides that, through the Law of the Republic of Indonesia Number 27 of 2022
concerning Protection of Personal Data, it has guaranteed legal certainty
regarding the protection of personal data