Alternative Methods of Debt Collectors: Email, Letter, and Text Message Debt Collection Harassment

Email, Letter, and Text Message Debt Collection Harassment

The Fair Debt Collection Practices Act (FDCPA) and the Florida Consumer Collection Practices Act (FCCPA) prohibit third party creditors from harassing debtors by e-mail, through letters and by text messaging.  However, it doesn’t prohibit them from contacting you by these means – as long as they follow the provisions of the Acts.

Here’s a closer look at each:

  • E-mails & Letters.  Debt collectors may contact you by e-mail as long as they identify themselves as debt collectors attempting to collect a debt from you.  The same harassment rules apply in written form as they do in oral form and they cannot disclose to a third party that you may owe a debt.  That means they cannot “cc” or “bcc” anyone else on the e-mail or in the letter.
  • Text Messages.  A debt collector can generally attempt to collect a debt by text message IF they comply with all of the rules of the FDCPA or FCCPA.  However, that is difficult to do as they are likely limited to a 140 character count in which they must disclose their identity and inform you that they are debt collectors trying to collect on a debt – all without causing you to incur a fee or disclosing to a 3rd party that you owe a debt.

The FDCPA and the FCCPA are designed to protect consumers from abusive or harassing conduct, false or misleading statements or unfair acts by debt collectors.  Violations of the FCCPA can result in actual damages, statutory damages up to $1,000, possible punitive damages (at the judge’s discretion), attorneys’ fees and court costs.

Let Florida Debt Fighters Help You!

If you’ve been the victim of abusive and deceptive debt collection practices, you may be entitled to compensation under the FDCPA or the FCCPA.  Contact our attorneys at Florida Debt Fighters in Tamp for help throughout Florida. Call us right now to find out how we can help stop the harassment.