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Creditor Uses Facebook to Harass Debtor

Steven J. Richardson
Bankruptcy, Collections, Student Loan, DUI and Traffic Court attorney in Woodbury, NJ.
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I have written here before about the dangers to privacy that social networks can pose, but that is usually because the users share way too much information on the sites.  Friends and family can get way too much information, and employers or potential employers can know more about you that you would like.  But what about your creditors?  What if they start digging around?

It is not that far fetched.  In a recent story in the Orlando media, a woman in central Florida was, in effect, stalked on Facebook by the bank that held her car loan.  She had fallen behind on her payments and was working to straighten it out when a representative of the bank not only contacted her on Facebook, but her cousin and her sister as well!  A representative of the bank claimed that they only use Facebook when there is no other way to reach a client. He cited financial hardships that have forced people to give up their phone service. Problem is, at the time this happened, collectors from the bank had been in regular phone contact with her, had left voice mails and text messages on her phone, and had called up to 20 times in one day!  No surprise, she is suing the bank!

This is yet again another cautionary tale about being careful on social networks.  The article warns, "anyone concerned about financial collectors using social networking websites is urged to change their privacy settings and use whatever tools available to block strangers from being your 'friends.'"  Sound advice.  Take this opportunity to check your privacy settings.  With Facebook changing those features every day, that is always a good idea.
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