But this digital-first approach has alarmed consumer advocates who worry that the CFPB could give an industry known for high pressure tactics a new way to violate consumers’ privacy. While many Americans understand how to deal with a pesky creditor calling their landline, their texts, emails and social media are new and more personal territory. “People are able to ignore phone calls, and that is the thing debt collectors don’t like,” said David Phillips, an Illinois attorney who has filed dozens of lawsuits against debt collectors. “It’s as if a debt collector is able to show up at your house and pound on the door. That is the effect of a text message.”Notably, though, consumers would have the ability to limit communication to certain mediums or certain hours of the day. Hypothetically, for instance, consumers would be able to opt out of receiving text messages during the work day if they so choose. "The Bureau is taking the next step in the rulemaking process to ensure we have clear rules of the road where consumers know their rights and debt collectors know their limitations," CFPB Director Kathleen L. Kraninger said in a press release. "As the CFPB moves to modernize the legal regime for debt collection," Kraninger added, "we are keenly interested in hearing all views so that we can develop a final rule that takes into account the feedback received.” It's worth noting that all of the above are simply proposals and that the CFPB welcomes opinions from consumers before a final regulation is drawn up and issued. The CFPB proposal can be read in its entirety over here.