Yes — but with strict limitations.
Debt collectors are increasingly using platforms like:
- Twitter/X
However, the FDCPA still applies.
Private Messages vs. Public Posts
A collector may:
- Send a private message that complies with FDCPA disclosure rules.
- Identify themselves as a debt collector (in required disclosures).
A collector may NOT:
- Post publicly about your debt.
- Comment on your profile about unpaid bills.
- Send messages visible to your friends or connections.
- Tag you publicly about collections.
Public disclosure of a debt is almost always illegal.
What About “Friend Requests”?
Collectors may attempt to connect with you on social media.
However, they cannot:
- Pretend to be someone else.
- Use deceptive profiles.
- Hide their identity to gain access to your account.
Deceptive practices may violate the FDCPA and other consumer protection laws.
What Should I Do?
If a debt collector contacts you on social media:
- Take screenshots.
- Save all messages.
- Do not respond emotionally.
- Consult a consumer attorney if disclosure occurred publicly.
