Skip to content

How Debt Collectors Can Use Social Media to Collect

Collecting a debt can be nothing short of unpleasant. No one enjoys it, no matter which side they’re on. The process of collecting can stretch for months and even years– exhausting everyone. However, there will be new collection methods available as we soon enter the 2021 winter holiday season. In the following text, we’ll explain how social media platforms will play a significant role in debt collection.

DM The Debtors on Social Media

After several years of revisions, reviews, and deliberation, the Bureau of Consumer Financial Protection is about to come out with a new Fair Debt Collection Practices Act. This new legislation will bring several innovations, the most important one being the way collectors can contact individuals who owe money. In other words, they will be able to use all types of social media to remind someone that they’re in debt.

November 30, 2021, is the date when this brand-new rule will take effect. Nevertheless, ordinary people probably won’t notice any changes in the ways collectors do their job. Their contact methods will mostly rely on the traditional ways that we’re all accustomed to by now. Yet, it won’t hurt either party to understand what’s legal and what’s not when it comes to collection. It will also help prevent all kinds of scams in the future.

In-Depth Look at New Rules

While using social networks for debt collection, there are certain rules collectors must follow:

  • Fair Debt Collection Act forbids messages outside 8 a.m.–9 p.m. local time
  • Contacting people while they’re at work is a no-go
  • Harassment and threatening is forbidden
  • Collectors can’t inform friends or family members of someone’s debt
  • After asking collectors to stop in written form, this type of contact must end

These new rules will undoubtedly help improve communication between the two parties. Until now, the dos and don’ts of how debt collection works legally were all but clear. The previous act came about in the ’70s. So it was not clear if collectors could use texting and emails. As such, many collectors were reluctant to even try using these methods of contact.

Nevertheless, as new technologies evolve, all industries need to follow. Later this year, collectors will begin sending private messages to those in debt. Of course, they can’t make anything public on social media. Also, they need to provide specific instructions for people in debt to follow, avoiding any confusion.

SWR Debt Recovery

If you’re having trouble collecting debt, you can always count on Southwest Recovery Services to sort your troubles out. With our professional help, the money owed to you or your company will be back in your account in no time. Moreover, our recovery agents won’t hesitate to use any legal actions at our disposal to collect. You can contact us via phone or email or by visiting our offices in Addison, Dallas, Houston, Austin, San Antonio, Oklahoma City, or Saint Louis.

Have A Question?

Get In Touch

Southwest Recovery Services is a national collection agency with offices in Texas, Oklahoma, Missouri, Ohio, Florida and Georgia.

Payment Processing

  • Online Payment Terms and Conditions

    Welcome to the Southwest Recovery Services LLC payment processing site. Please read and agree to the following online payment terms and conditions, website Terms of Service, and Refund Policy prior to agreeing and completing your online payment.

    *** NOTICE ***

    This is an attempt to collect a debt and any information obtained will be used for that purpose. This communication is from a debt collector. If you have any questions or would like to talk to a live Collections Specialist, please call us at (866) 558-3328 during standard business hours: Monday thru Friday 8am-6pm CST. You can also mail your payment directly to Southwest Recovery Services LLC, 16200 Addison Road Suite 260, AddisonTX 75001.

    Credit Card Transaction

    By submitting payment information through this Service you agree to the terms and conditions of this Agreement and any documents incorporated by reference. You further agree that this User Agreement forms a legally binding contract between you and Southwest Recovery Services Inc. and that this Agreement constitutes "a writing signed by You" under any applicable law or regulation. Any rights not expressly granted herein are reserved by Southwest Recovery Services Inc.. By clicking on the "I Agree" button and by clicking on the “click here to pay by credit card” button, you are accepting these terms and the stated fees for using this service.

    IMPORTANT:  Please make sure that you have correctly inputted your account number and creditor’s name in the payment form. This information can be found on your bill. For assistance, please contact us at (866) 558-3328. 

    This site provides a secure payment portal for making online payments. Please ensure that you are paying the correct party and that you have a valid account number received from us.

    If you do not know your account number, please do not make a payment through this web site at this time. Instead, please Contact Us to obtain your account number before returning to make the payment. Without the account number we cannot credit your account with the payment you make on this site, which would result in a significant delay in processing of your payment.

    • This is a web site of a collection agency.
    • This is an attempt to collect a debt.
    • Any information obtained will be used for that purpose.

    Question? Contact Us: info@swrecovery.com

Make A Payment