For some folks, that means dealing with calls from debt collectors. Starting late next year, collectors will also be allowed to contact consumers by email, text message, and even through social media. Debt collectors are notorious for hounding consumers over debts that have already been paid off or were never owed in the first place. For example, CR says that if a debt collector contacts you, request verification of the debt. It’s not entirely clear how collection agencies will use social media to reach consumers.