Q: Missed a payment on child support the rep texted me my monthly payment what my arrears and gave me his personal number
I have never talked to any agent over the phone I have had different numbers over the years. I have never gave my consent for them to text me. They didn't give me any option to opt of of receiving any messages.
Rosenthal FDCPA
15 U.S.C. § 1692b
(2) not state that such consumer owes any debt;
FDCPA
§ 803. Definitions
(C) any officer or employee of the United States or any State to the extent that collecting or attempting to collect any debt is in the performance of his official duties;
§ 804. Acquisition of location
(2) not state that such consumer owes any debt;
§ 805. Communication in connection with debt collection
(a) Communication with the consumer generally
Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt –
A:
It sounds like this could be a scam. Ask the caller to send you written verification that you owe any money, and insist they text it to your phone number, and don't give out ANY of your own personal info.
FEEL FREE TO SEND IN FOLLOWUP QUESTIONS AS THIS THING DEVELOPS.
Yelena Gurevich agrees with this answer
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