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Debt collectors face strict regulations regarding contacting individuals on social media platforms under the Fair Debt Collection Practices Act (FDCPA). While the law does not explicitly mention social media, debt collectors are required to adhere to the same rules and guidelines that apply to other forms of communication, ensuring that they do not engage in abusive, deceptive, or harassing practices.

Here are some key considerations regarding debt collectors contacting individuals on social media:

Privacy Concerns: Debt collectors must respect individuals’ privacy when communicating on social media platforms. They are prohibited from contacting you through public channels where your personal information could be exposed to others, such as posting on your public profile or commenting on your public posts.

Discretion and Professionalism: Debt collectors must maintain a professional demeanor when communicating on social media and avoid using aggressive or threatening language. They cannot publicly shame or embarrass individuals for their debts, as such actions could be considered harassment.

Third-Party Disclosure: Debt collectors cannot discuss your debt with third parties on social media without your consent. This includes messaging your friends, family members, or other connections on social media platforms in an attempt to collect the debt.

Cease Communication Requests: If you prefer not to be contacted by debt collectors on social media, you have the right to request that they cease all communication with you through these channels. Once you make such a request in writing, they must comply, except to notify you of legal actions taken.

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  • There are absolutely no legal fees that you will ever be responsible for.
  • Under the FDCPA the collection agency is liable for attorney fees. 
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