With the prevalence of cell phone use and text messaging in today’s culture, companies have identified text messages as an easy way to reach a large market of consumers. Many big name companies have adopted a marketing scheme of sending out large text message blasts to thousands of targeted consumers. When these text messages are sent without the receiving party’s consent, this is illegal and in violation of the Telephone Consumer Protection Act (TCPA).
When you owe a debt to a large institution such as a bank or credit card company, the primary debt holder will oftentimes sell your debt to a debt buyer. The debt buyer is a company that is in the business of purchasing defaulted consumer accounts. They will do whatever is necessary to get you to pay the total debt even though they have bought the debt for as little as pennies on the dollar.