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Now collectors in the USA have the right to write to you about debts through social networks

Collectors have a variety of ways to contact you, but now the Consumer Protection Bureau (CFPB) has added another one for them - social media. The publication told about this in more detail. USA Today.

Photo: Shutterstock

Don't worry, debt collectors won't be able to comment on your posts or post anything for everyone to see. But now they can send you private messages on social media.

Collectors must clearly identify themselves and must provide you with a way to opt out of receiving their message.

Changes to integrate modern technological communication methods into CFPB have been under development for over a year. In October 2020, Kathleen Kreninger, then director of the CFPB, announced on her blog that the agency was empowering debt collectors.

“Advances in technology, in particular, have changed the way we communicate,” Kroeninger said at the time. “But debt collectors and consumers are trapped in a time warp. They were required to communicate with each other in accordance with the standards adopted by Congress in 1977. "

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In addition to social media, debt collectors can use phone calls, email, text messages, and letters to communicate with consumers.

While collectors have multiple mechanisms at their disposal, the Fair Debt Collection Practices Act 1977 prohibits harassment, abuse, and unfair collection practices, as well as false and misleading claims.

The CFPB Debt Collection Rule prohibits collectors from calling more than seven times within seven days or within seven days of calling you about a specific debt.

However, there is no limit in CFPB rules as to how often a debt collector can contact you via text messages, email, or private messages. It only says that they are required to provide you with the option to unsubscribe.

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Debt collection is a multibillion dollar industry with more than 8000 firms in the United States. The FTC has warned that while many of the contacts for debt collectors are legal, it is worth looking out for debt collection scams.

Callers may turn out to be fake collectors, they will refuse to provide you with their mailing address or phone number, they will try to scare you and force you to pay by threatening to report to law enforcement.

The CFPB insisted that consumers have rights when dealing with collectors. Keeping this in mind can help identify fraudsters and prevent harassment.

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