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New Guidelines: Social Media Debt Collections

Posted by Ryan D. Peterson | Jun 23, 2021 | 0 Comments

Debt collectors can use Digital media, Instagram, Facebook, LinkedIn, Google, YouTube to contact debtors

The Consumer Financial Protection Bureau has provided some welcome clarity to collection agencies surrounding how, and how much they may contact debtors using social media.

The Fair Debt Collection Practices Act (FDCPA) issued new regulations that go into effect on November 30, 2021. It provides rules for contacting debtors via telephone, text message, email, and direct messaging on social media.

Collection agencies are prohibited from making more than seven calls within seven consecutive days. They may also contact debtors through social media such as Facebook Messenger.

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Debt collectors can email debtors but they may not use their work email account unless the debtor has previously consented.

Debt collection agent on the phone with a debtor. They can use social media to collect a debt as well.

Debt collectors can contact debtors through social media.

Collection agencies must provide an option to opt-out of future communication and can only contact debtors from 8:00 am to 9:00 pm local time.

If you think you are a victim of debt collection harassment and need a personal debt collection attorney near you, contact Peterson Legal today for help. Call (612) 367-6568

About the Author

Ryan D. Peterson

Attorney Ryan D. Peterson Ryan D. Peterson is a former debt collection attorney turned consumer rights expert and advocate. After graduating from William Mitchell law school in 2008, Ryan opened his own criminal defense firm. In 2010 Ryan joined a Minneapolis-based debt collection firm. Ther...


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