Can a debt collector ever contact me via email or text message?

In Mississippi, a debt collector is not allowed to contact you via email or text message in regards to collecting a debt. Instead, the debt collector must send a written letter via mail. This letter should explain the debt, the amount owed, and what steps you can take if you do not believe you owe the debt. Furthermore, Mississippi law prohibits debt collectors from using any method that is designed to annoy or harass you. This includes sending emails, texts, or other electronic messages through social media. Even if you have provided the debt collector with your email or phone number, they cannot use it to contact you about payment of the debt. If the debt collector has violated any of these stringent rules, you may be able to file a complaint with the Mississippi Department of Banking and Consumer Finance or take legal action against the debt collector. It is important to remember that debt collectors must abide by the laws in Mississippi and may not use any means of communication that is designed to annoy or harass you. So, while a debt collector cannot contact you via email or text message, they are allowed to send a written letter via mail.

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