On the off chance that you’ve at any point gotten an instant message from an obligation gatherer, you’ve most likely contemplated whether it was lawful.
Although it is certainly unusual, debt collectors are permitted to communicate with you via text message.
You can lessen some of the stress that comes with debt collection if you are aware of your rights and the law.
The federal law known as the Fair Debt Collection Practices Act (FDCPA) specifies what third-party debt collectors can and cannot do when attempting to collect a debt from a consumer.
Many forms of contemporary communication are not addressed by the 1977 law.
For instance, text messaging wasn’t introduced until 1992, 15 years after the FDCPA was passed, and the law hasn’t been updated to deal with collection activity carried out through text messages or other modern communication channels. Starting around 2020, the FDCPA had not been refreshed to reflect current frameworks.
Some protection may be provided by the Telephone Consumer Protection Act of 1991.
It restricts (and sometimes prohibits) the use of auto-dialing and unsolicited phone calls without your “prior express consent,” which indicates that you consent to being contacted in this manner.
