Can a debt collector contact me by email?

In California, debt collectors typically cannot contact consumers by email. California law restricts debt collectors from any form of harassment, which includes sending emails and other electronic communications. However, debt collectors may use emails as a way to verify information or notify a consumer of an upcoming payment. A debt collector must also give the consumer the opportunity to opt out of any unwanted emails. When emailing, debt collectors must also ensure that their emails contain certain elements. For example, a debt collector must include their name, address, and telephone number. They should also clearly explain why they are sending the email and how it relates to the debt. Moreover, debt collectors must also comply with the federal Fair Debt Collection Practices Act (FDCPA). This law requires debt collectors to follow certain procedures when contacting consumers, including emailing. For example, a debt collector cannot email a consumer more than once without their consent, and they have to promptly remove a consumer from any email list upon request. In conclusion, while a debt collector may email a consumer in certain circumstances, they must follow California and federal laws when doing so.

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Can a debt collector contact me by email?

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