Can debt collectors text me or contact me on social media?

The Fair Debt Collection Practices Act prohibits specific forms of communication by debt collectors. Specifically, debt collectors cannot contact debtors via post card. This is a bit out-dated as the law does not specifically address more common forms of communication like text message and social media. While the FDCPA does not explicitly address these types of communication, text message and social media communication make it difficult for debt collectors to be in compliance with other portions of the FDCPA.

One example is providing appropriate disclosures. Section 807(11) of the FDCPA requires the first communication by a debt collector to identify (1) that they are a collector, (2) that the communication is an attempt to collect a debt, and (3) that any information obtained will be used for that purpose. This is difficult to do is a text message, and there have been recent instances in which collectors who use text message did not comply with that requirement. 

Another requirement of the FDCPA is that collectors cannot reveal the existence of a debt to a third party. Many communications via social media are view-able by third parties. If a collector published a communication on your Facebook timeline or Twitter feed it would likely be in violation of the FDCPA. Further, debt collectors must not use deceptive trade practices, so “friending” you under a fake Facebook account could likely be a violation as well. 

Every violation of the FDCPA carries with it the possibility of damages up to $1,000 and mandatory attorney’s fees. This means that if the debt collector violates an applicable provision of the FDCPA, they may have to pay you a fee and they will have to cover the cost of your lawyer.

If you think a debt collector has violated the FDCPA contact Eli Marchbanks at Navigate Law Group to set up a free consultation.