The Use of Social Networking in Debt Collection
Technological advances have heralded a new age of communication and efficiency for consumers, businesses and government. The Internet and social media have opened the door to connecting people in ways never imagined possible.
Social networking sites like Facebook, Twitter, Instagram and LinkedIn can be venues for locating individuals not found through phone directories and other resources. Debt collectors can use these tools to try to locate consumers who owe debts. In order to use these resources, collectors must still comply with the Fair Debt Collection Practices Act (FDCPA).
When trying to locate a consumer through these social networking sites, debt collectors cannot disclose to a third party that a person owes a debt. Nor can the debt collector make any false, deceptive or misleading representations on those sites in an effort to collect a debt from a consumer.
THIS INFORMATION IS NOT INTENDED AS LEGAL ADVICE AND MAY NOT BE USED AS LEGAL ADVICE. IT SHOULD NOT BE USED TO REPLACE THE ADVICE OF YOUR OWN LEGAL COUNSEL. ANY INFORMATION CONTAINED IN THIS MATERIAL IS BASED ON CURRENT RESEARCH INTO THE ISSUES AND ON THE SPECIFIC FACTS.