A plaintiff brings a case to court against a defendant. Even though that somebody plaintiff won a judgment for an oppression against them, the court is not in the collection business. Usually, when time goes by, that legal judgment to retrieve funds is not collected.
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Debt collection has a new rule and an update on a n Practices Act (FDCPA) for the first update to the Act in more than 40 years.
In an articles titled: Debt collectors may now contact consumers by e-mail, text, and social media, the Idaho Department of Finance released the following report:
“BOISE — The Department of Finance is advising Idaho consumers that debt collectors may now use non-traditional avenues to communicate with consumers when attempting to collect a debt. These avenues may include friend requests and private messages on social media channels including Facebook, text messages, and e-mail.
This change is part of a new rule under the Fair Debt Collection Practices Act (FDCPA) approved by the Consumer Financial Protection Bureau that went into effect on Nov. 30, 2021. The rule applies to attempts to communicate, communications, and other conduct by debt collectors occurring on or after that date, regardless of when the underlying debt was incurred.
These changes to the FDCPA represent the first updates to the Act in more than 40 years.
The new rule clarifies the parameters a collector must follow when contacting consumers. Among other conditions, debt collectors initiating contact via social media are required to clearly identify themselves, only send private messages that are not publicly visible or visible to the recipients’ social media contacts and offer an opt-out option for receiving further messages when reaching out through social media, email, or texts.
A debt collector is restricted to placing seven outbound calls within seven days per account in collection and calls which go to voicemail are considered contact by phone.” – https://www.argusobserver.com/independent/news/debt-collectors-may-now-contact-consumers-by-e-mail-text-and-social-media/article_cca932ae-f8ad-11ec-8835-e333601fc46d.html
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