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

The answer to this question about debt collection law in Tennessee is yes, a debt collector can contact you via email or text message. However, before they do so, the debt collector must provide you with a disclosure in writing, which outlines the terms of communication. This includes contact details, the purpose of the communication, the rights you have regarding the debt in question, and the collection fees applicable. Debt collectors are not allowed to use abusive or deceptive language when contacting you about your debt. The use of emails and text messages is regulated by the Fair Debt Collection Practices Act (FDCPA). This act prohibits debt collectors from sending emails or text messages without your prior consent, or without you having requested it. If you do not want the debt collector to contact you in this way, you need to let them know in writing. Debt collectors must also be respectful when communicating with you. They are not allowed to use profane or threatening language. They must also stop any emails or text messages if you tell them to do so. It is important to understand your rights when it comes to debt collection law in Tennessee. If you think a debt collector has violated your rights, you may have the legal grounds to take legal action against them.

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

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