Under new rules, debt collectors can now contact you by email, text messages and social media, in addition to phone calls and mail. They must identify themselves and any messages they send must be private. In other words, they cannot report your debt on Facebook or Twitter.
Under the new laws, debt collectors cannot attempt to contact you more than seven times with a seven day period, regarding a specific debt. That applies if you don’t respond to their inquiry. If you do respond, they are not allowed to call you again for seven days. However, that only applies to telephone calls.
If you are contacted you should request the name, phone number and physical address of who is calling you. If you don’t recognize the debt you should request additional information, in writing, to verify.