When a debt collector communicates with you via email or text message regarding your debt, the Consumer Financial Protection Bureau requires them to provide a "reasonable and simple method" for you to opt out of receiving future communication.
Knowing how this law works is essential when learning how to deal with a debt collector.
The FDCPA is a federal law designed to protect you from debt collectors who harass, mislead and abuse consumers. If they fail to do so, the Fair Debt Collection Practices Act (FDCPA) sets forth penalties against them for violating your rights. When a third-party debt collection company attempts to collect a debt from you, they must refrain from engaging in unethical behavior.