Collection via email - violation?

[shadow99]

I have read that the FDCPA rules were updated recently to allow collectors to contact you via email, social media, etc.

I have a company called January representing Velocity emailing me now for an old debt that's just above $1K. (I've won against Velocity 1X with MTC in a larger debt).

Their first email was on Jan 20.  It has the "this is a debt collector" verbiage, but did not have the "if you dispute the debt, please contact us within 30 days" text on the email

I've received no phone calls that I know of and nothing in the mail.

The email went to my junk folder.  They emailed me again on 1/23. Again, it went to junk but I did click the link on the email to see if they were offering any kind of low settlement, but it was payment options only.

Then, they emailed me again several times in a row. I'm assuming this will continue.

Is it a violation to 1. not include the 30 day verbiage or 2. not contact me by mail within 5 days of first contact?  Or, do the emails follow different rules?

 

[BV80]

2 hours ago, shadow99 said:

I have read that the FDCPA rules were updated recently to allow collectors to contact you via email, social media, etc.

I have a company called January representing Velocity emailing me now for an old debt that's just above $1K. (I've won against Velocity 1X with MTC in a larger debt).

Their first email was on Jan 20.  It has the "this is a debt collector" verbiage, but did not have the "if you dispute the debt, please contact us within 30 days" text on the email

I've received no phone calls that I know of and nothing in the mail.

The email went to my junk folder.  They emailed me again on 1/23. Again, it went to junk but I did click the link on the email to see if they were offering any kind of low settlement, but it was payment options only.

Then, they emailed me again several times in a row. I'm assuming this will continue.

Is it a violation to 1. not include the 30 day verbiage or 2. not contact me by mail within 5 days of first contact?  Or, do the emails follow different rules?

 

Yes, it’s a violation BUT, it’s a difficult one to prove.  It’s your word against their word that they previously sent nothing in the mail containing the notice.