A Text Twist on Debt Collection

Yet another text message. Who’s this one from? Seriously? A debt collector?

Getting texts from debt collectors might be annoying, but it’s not illegal. What is illegal is an incomplete disclosure and a harassing or deceptive attempt to collect money. For example, it’s against the law for debt collectors to pretend to be attorneys or falsely threaten to sue you, regardless of how they communicate — through texts, through letters, or through phone calls. 

In fact, the FTC recently settled its first case against a debt collector who used text messages to contact consumers. According to the FTC, National Attorney Collection Services broke the rules — in more ways than one. They pretended to be lawyers (check out the company’s name), never mentioning they were debt collectors. The company also falsely threatened to sue consumers, and sent letters in envelopes showing a person literally being “shaken down” for money.

Yes… something’s wrong with that picture. There’s a reason collectors can’t include such illustrations — they aren’t allowed to expose someone’s private debt. Doing so could jeopardize that person’s job or reputation.

You have the right to be treated fairly by debt collectors. If you believe a collector has violated your rights, we want to hear about it

Leave a Comment

Comment Policy

This is a moderated blog; we review all comments before they are posted.  We expect participants to treat each other and the bloggers with respect.  We will not post comments that do not comply with our comment policy.  If a submitted comment includes a link to a commercial website, we will delete the link and post the comment. We won't edit comments except to remove links.

We won’t post:

  • spam or off-topic comments
  • comments that contain vulgar language, personal attacks, or offensive terms that target specific groups
  • sales pitches or promotions
  • comments that contain clearly misleading or false information
  • comments that contain personal information, like home addresses

Comments submitted to this blog become part of the public domain. To protect your privacy and the privacy of others, please do not include personal information. Also, do not use this blog to report fraud; instead, file a complaint.

If you have questions about the commenting policy, please contact us.

Read Our Privacy Act Statement

It is your choice whether to submit a comment. If you do, you must create a
user name, or we will not post your comment. The Federal Trade Commission Act
authorizes this information collection for purposes of managing online
comments. Comments and user names are part of the Federal Trade Commission’s
(FTC) public records system, and user names also are part of the FTC’s computer
user records system. We may routinely use these records as described in the
FTC’s Privacy Act system notices. For more information on how the FTC handles
information that we collect, please read our privacy policy.