Use this form to notify a debt collector they violated the Fair Debt Collection Practices Act (FDCPA). Receiving notice from a consumer makes it more likely a debt collector will comply with the FDCPA. If they don't comply after receiving notice, your notice letter may help prove that their actions were intentional.
A debt collector may not harass, oppress, or abuse any person in connection with the collection of a debt. This includes leaving telephone messages with neighbors or other 3rd parties when the debt collector knows the consumer's name and telephone number and could have contacted the consumer directly.
Collector Messages Without Their Phone
Category:
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Multi-State
Control #:
US-DCPA-28
Format:
Word;
Rich Text
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How to fill out Notice To Debt Collector - Unlawful Messages To 3rd Parties?
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FAQ
How long does it take? ¶ Collections usually finish 5 minutes or less. They typically take about one second per 500 plain text messages or 20 pictures messages, but speed varies widely.
The short answer is that the Fair Debt Collection Practices Act doesn't prohibit collectors from using texts or social media.
Signal supports individual and group chats, voice and video calls, and even allows you to send self-destructing messages. Wire: Wire is another secure messaging app that doesn't require a phone number. It allows you to sign up using just your email address, and offers end-to-end encryption for all communications.
If You Get a Text About a Debt, Verify It's Legitimate Under the CFPB rules, debt collectors must provide details that validate a debt, either at the first point of contact or within five days after the first conversation. The validation information they send you must include: The name of the current creditor.
Retention period for text messages (SMS) Most cell carriers retain content data between 3-7 days. The exceptions are: AT&T, Boost and T-Mobile which have zero days retention.