Debt Collecting by Text: | Anita Ramasastry | Verdict | Legal Analysis and Commentary from Justia

Imagine being texted by a collection agency when you are late paying a bill, and imagine if, as well, your spouse, children, or other people who may share your phone, and who are contacted separately by the agency also see that text.  –
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This is what a California-based collection agency did to consumers. The agency was recently fined $1 million by the US Federal Trade Commission (FTC), for violating theFair Debt Collection Practices Act (FDCPA).
In this column, Prof. Ramasastry discusses the FTC enforcement action, and why it was the right move. She also discusses how that action has led to much-needed clarity as to what debt collectors may, and may not, do via text and SMS.

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