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

In North Carolina, debt collectors are allowed to contact you regarding a debt via email or text message, as long as they do not violate the Fair Debt Collection Practices Act (FDCPA). The FDCPA sets out guidelines that debt collectors must follow when attempting to collect a debt. Under the FDCPA, debt collectors are allowed to contact you using any reasonable means necessary, including email and text messages, as long as they do not harass, oppress, or abuse you. For example, a debt collector cannot send you an excessive amount of messages in a short period of time, or use profane or obscene language when trying to collect a debt. It is important to note that a debt collector cannot contact you at inconvenient times or times that the FDCPA considers to be unreasonable. For instance, debt collectors may not contact you before 8 a.m. or after 9 p.m. on weekdays, or before 9 a.m. or after 4 p.m. on weekends. In addition to this, debt collectors cannot discuss your debt with anyone other than yourself or your attorney. If you feel as if a debt collector has violated the FDCPA in any way, you should contact your state’s consumer protection agency in order to file a complaint.

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

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