Can a debt collector contact me on social media?

In Washington, debt collectors are generally prohibited from contacting a consumer on social media. The consumer debt defense law in Washington specifically states that debt collectors are prohibited from using “oppressive or abusive conduct” when attempting to collect a debt. This includes communication via social media. Debt collectors are typically allowed to contact a consumerto collect a debt, but they must generally follow the rules outlined in the Fair Debt Collection Practices Act (FDCPA) and the consumer debt defense law in Washington. The FDCPA requires that debt collectors communicate with consumers by telephone or mail and that they do not engage in unfair or deceptive practices. The consumer debt defense law in Washington makes it illegal for debt collectors to contact a consumer on social media. Furthermore, when a debt collector contacts a consumer in any way, they must identify themselves as a debt collector. It is illegal for them to misrepresent themselves or to use deceptive tactics when attempting to collect a debt. This means debt collectors are prohibited from using social media to contact consumers or to engage in deceptive tactics when collecting a debt. If a debt collector is attempting to contact you on social media, you should contact the Washington Department of Financial Institutions to file a complaint. You can also take legal action against the debt collector for violating the consumer debt defense law in Washington.

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