Can Debt Collectors Text or Email You?
Yes, under Regulation F (which took effect November 30, 2021), debt collectors may contact consumers via text message and email, but they must follow specific rules.
Rules for Digital Communications
- Opt-out requirement. Every electronic message must include a clear way for you to opt out of future electronic communications.
- Identification. The collector must identify themselves as a debt collector in the message.
- Privacy protections. Collectors must take steps to ensure third parties do not see the communication (e.g., not sending messages to a shared email).
- Frequency limits. While the 7-in-7 rule applies specifically to phone calls, excessive texts or emails could still be considered harassment.
Your Right to Opt Out
If you do not want to receive texts or emails from a debt collector, you can:
- 1. Use the opt-out mechanism provided in the message
- 2. Send a written cease communication request
- 3. Inform the collector verbally and follow up in writing
Disclaimer
This article is for educational purposes and does not constitute legal advice. Speak with a licensed consumer protection attorney for guidance.