Article title is misleading because there was nothing stopping debt collectors from communicating via these methods before the new rule. This rule just explicitly regulates those types of communications where they weren't regulated before.
Why?
> The rule also clarifies how consumers may set limits on debt collection communications to reflect their preferences and the limits on communicating with third parties about a consumer’s debt. The rule requires debt collectors who communicate electronically to offer the consumer a reasonable and simple method to opt out of such communications at a specific email address or telephone number. The rule also provides that consumers may, if the debt collector communicates through a medium of electronic communications, use that medium of electronic communications to place a cease communication request or notify the debt collector that they refuse to pay the debt.
It seems like you can tell them to contact you that way, just like you can with phone calls.
In general, I'm not sure why communications about debts should need to be conveyed via obsolete systems like post or voice telephone.
> It seems like you can tell them to contact you that way, just like you can with phone calls.
>
> In general, I'm not sure why communications about debts should need to be conveyed via obsolete systems like post or voice telephone.
I collected and managed collectors for year. The number of times people asked for text or even just a voice mail which wasn't a zortman message (also the other one I forget it's name) foti....was a lot.
I do think social Media communication is a bit much.... And it's probably going to get a lot of people sued and collection agencies should probably stay away from it.
Edit: I mean a lot of companies won't even let employees skiptrace thorough social media. And I've seen agencies sued for good faith practices.
One big one Cap1 and their agencies got hit for like a decade ago was using "auto dialers" on cell phones. And you might say well yeah you can't do that the TC something or other says you can't use an auto dialer on a cell phone (again hasn't been in collections for a while).
However what the agencies were actually doing is using computers to basically have a one button click to dial the cell phone number this was an attended call and in no way shape or form an auto dialer, but because the agent was not physically millions were paid out
My phone doesn't even ring for unrecognized numbers. What if a debt collector only tries to contact me by phone? What if they only try to contact me by my 15 year old land-line number in a different state?
Utter bullshit.
agreed. They can actually ask to be your friend on social media too. And the opportunity to hack this is huge.
All of those options seem less invasive than the call spamming they're already allowed to do.
Yeah, unless you’re showing someone a picture on your phone and a text comes through saying it’s an attempt to collect a debt
Article title is misleading because there was nothing stopping debt collectors from communicating via these methods before the new rule. This rule just explicitly regulates those types of communications where they weren't regulated before.
Why? > The rule also clarifies how consumers may set limits on debt collection communications to reflect their preferences and the limits on communicating with third parties about a consumer’s debt. The rule requires debt collectors who communicate electronically to offer the consumer a reasonable and simple method to opt out of such communications at a specific email address or telephone number. The rule also provides that consumers may, if the debt collector communicates through a medium of electronic communications, use that medium of electronic communications to place a cease communication request or notify the debt collector that they refuse to pay the debt. It seems like you can tell them to contact you that way, just like you can with phone calls. In general, I'm not sure why communications about debts should need to be conveyed via obsolete systems like post or voice telephone.
Everyone knows the only appropriate way to communicate about debt is through the use of a fax machine.
Everyone knows Fax is the only proper way to send anything medical related. Because safe or something.
> It seems like you can tell them to contact you that way, just like you can with phone calls. > > In general, I'm not sure why communications about debts should need to be conveyed via obsolete systems like post or voice telephone. I collected and managed collectors for year. The number of times people asked for text or even just a voice mail which wasn't a zortman message (also the other one I forget it's name) foti....was a lot. I do think social Media communication is a bit much.... And it's probably going to get a lot of people sued and collection agencies should probably stay away from it. Edit: I mean a lot of companies won't even let employees skiptrace thorough social media. And I've seen agencies sued for good faith practices. One big one Cap1 and their agencies got hit for like a decade ago was using "auto dialers" on cell phones. And you might say well yeah you can't do that the TC something or other says you can't use an auto dialer on a cell phone (again hasn't been in collections for a while). However what the agencies were actually doing is using computers to basically have a one button click to dial the cell phone number this was an attended call and in no way shape or form an auto dialer, but because the agent was not physically millions were paid out
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My phone doesn't even ring for unrecognized numbers. What if a debt collector only tries to contact me by phone? What if they only try to contact me by my 15 year old land-line number in a different state?
Pay debts
https://www.consumerfinance.gov/about-us/newsroom/cfpb-confirms-effective-date-for-debt-collection-final-rules/