Stopping Collection Texts Is Not the Same as Disputing a Debt

Electronic opt-out notices

A covered collector’s electronic collection communication or attempt must explain a reasonable, simple opt-out. The rule bars requiring a fee or information beyond the opt-out preference and the affected electronic address or number.

Source basis: 12 C.F.R. § 1006.6 · § 1006.6(e)

Requests about a medium or address

Section 1006.14(h) addresses requests not to use a communication medium; its commentary also addresses particular electronic addresses and numbers. Exceptions include a limited confirmation, one response through a medium the person subsequently uses to initiate contact, and a communication otherwise required by applicable law.

Source basis: 12 C.F.R. § 1006.14 · § 1006.14(h)(1)–(2) and commentary

A broader cease-communication request

Section 1006.6(c) separately addresses written notice refusing payment or requesting an end to further communication. Its exceptions concern terminating collection efforts and specified remedies. The commentary recognizes electronic writing through a medium the collector accepts. Do not assume that a channel-specific request stops every kind of contact or resolves an account dispute.

Source basis: 12 C.F.R. § 1006.6 · § 1006.6(c)(1)–(2), comment 6(c)(1)–1

Keep the exact words

Preserve your request, delivery context, confirmation and later communications. Do not publish account details or another person’s debt information. If a lawsuit or deadline is involved, a general guide is not a substitute for timely advice about that matter.