Flood Watch
from FRI 11:00 AM MST until SAT 11:00 PM MST, Yavapai County Mountains, Little Colorado River Valley in Coconino County, Little Colorado River Valley in Navajo County, Little Colorado River Valley in Apache County, Eastern Mogollon Rim, White Mountains, Northern Gila County, Yavapai County Valleys and Basins, Oak Creek and Sycamore Canyons, Western Pima County including Ajo/Organ Pipe Cactus National Monument, Tohono O'odham Nation including Sells, Upper Santa Cruz River and Altar Valleys including Nogales, Tucson Metro Area including Tucson/Green Valley/Marana/Vail, South Central Pinal County including Eloy/Picacho Peak State Park, Southeast Pinal County including Kearny/Mammoth/Oracle, Upper San Pedro River Valley including Sierra Vista/Benson, Eastern Cochise County below 5000 ft including Douglas/Wilcox, Upper Gila River and Aravaipa Valleys including Clifton/Safford, White Mountains of Graham and Greenlee Counties including Hannagan Meadow, Galiuro and Pinaleno Mountains including Mount Graham, Chiricahua Mountains including Chiricahua National Monument, Dragoon/Mule/Huachuca and Santa Rita Mountains including Bisbee/Canelo Hills/Madera Canyon, Santa Catalina and Rincon Mountains including Mount Lemmon/Summerhaven, Baboquivari Mountains including Kitt Peak, Kofa, Central La Paz, Aguila Valley, Southeast Yuma County, Gila River Valley, Northwest Valley, Tonopah Desert, Gila Bend, Buckeye/Avondale, Cave Creek/New River, Deer Valley, Central Phoenix, North Phoenix/Glendale, New River Mesa, Scottsdale/Paradise Valley, Rio Verde/Salt River, East Valley, Fountain Hills/East Mesa, South Mountain/Ahwatukee, Southeast Valley/Queen Creek, Superior, Northwest Pinal County, West Pinal County, Apache Junction/Gold Canyon, Tonto Basin, Mazatzal Mountains, Pinal/Superstition Mountains, Sonoran Desert Natl Monument, San Carlos, Dripping Springs, Globe/Miami, Southeast Gila County

Debt collectors can now use email, text, social media to seek repayment

New rules will now change the way debt collectors can contact consumers. 

The rules, which were approved last year by the Consumer Financial Protection Bureau and took effect on Tuesday, address the use of newer communication technologies in debt collection and establish record retention requirements. 

This means collection agencies can now utilize email, text and social media methods to seek repayment of unpaid debts.

EARLIER: Debt collectors will be allowed to contact you via text, social media messaging, email by 2021

According to Kathleen L. Kraninger, the former CFPB director who oversaw the rule changes, the debt collection system was archaic and needed to be developed into a method that worked "for consumers and industry in the modern world." 

"Advances in technology, in particular, have transformed how we communicate, with cell phones enabling us to take a call or receive a text 24 hours a day in our neighborhood or on the other side of the globe. But debt collectors and consumers have been trapped in a time warp. They have been required to communicate with each other under standards Congress enacted in 1977. Until now," Kraninger wrote in a blog post.

The first rule, issued in October 2020, focuses on debt collection communications and clarifies the FDCPA’s prohibitions on harassment and abuse, false or misleading representations, and unfair practices by debt collectors when collecting consumer debt. 

"Abuse or harassment by debt collectors is against the law, and the CFPB will be closely watching the marketplace for compliance. Consumers can submit a complaint about debt collection to the CFPB online or by calling 855-411-CFPB (2372)," a spokesperson with CFPB wrote in a statement to FOX Television Stations. 

Meanwhile, the second rule, issued in December 2020, clarifies disclosures debt collectors must provide to consumers at the beginning of collection communications. The second rule also prohibits debt collectors from suing or threatening to sue consumers on time-barred debt. Additionally, the second rule requires debt collectors to take specific steps to disclose the existence of a debt to consumers before reporting information about the debt to a consumer reporting agency.

"The CFPB is committed to informing consumers about their rights and protections under the rules and assisting debt collectors in implementing them," the agency wrote in a press release in July.