Sending a Text to Someone Who Owes You Money

When someone owes you money, sending a text message can offer a straightforward and informal way to initiate a conversation about repayment. This guide provides practical advice on navigating the process of requesting personal debt repayment via text.

Information to Gather Before Texting

Before drafting any message, clearly establish the debt details. Gather the following information:
The exact amount owed.
The date the money was lent.
The original purpose of the debt (e.g., a bill or emergency).
Any initial agreements, verbal or written, concerning repayment terms (e.g., due date or schedule).
Prior discussions or attempts to collect.
Supporting documentation (e.g., bank transfer records, digital payment confirmations, or previous messages).

Structuring Your Text Message

When composing your text, start with a polite and non-confrontational greeting to set a calm tone. Clearly state the amount owed and the original reason for the loan, for instance, “Regarding the $X I lent you on [date] for [reason].” This directness helps the recipient quickly understand the message’s intent without confusion.

If there was an initial repayment agreement, gently reference it within your message, such as “We had discussed repayment by [date].” Propose a clear call to action, asking when they anticipate being able to repay or suggesting a specific repayment date.

Maintain a polite, firm, and non-accusatory tone. Avoid using emotional or confrontational language, as this can escalate the situation negatively. Remember that text messages are generally concise, so keep your message brief and to the point.

Practical Aspects of Sending and Recording

Consider the timing of your message carefully; sending texts during standard daytime hours, typically between 9:00 AM and 5:00 PM, is generally more appropriate than late at night or early in the morning. If an initial message does not receive a response, follow up with reasonable frequency, perhaps after a week or two, to avoid appearing harassing.

Consistent but not excessive follow-up is often most effective. It is advisable to keep a record of the conversation. This can involve taking screenshots of the text exchange or exporting chat logs if your messaging application allows for it.

Such records serve as documentation of your communication and the outstanding debt. While some messaging platforms offer read receipts, these only confirm the message was opened and do not indicate acknowledgment of the debt itself. If multiple texts yield no response, a different communication method or approach may eventually become necessary.

Important Legal Considerations

When seeking repayment, it is important to be aware of potential legal boundaries. Excessive or threatening text messages, for example, could be perceived as harassment, which can have legal repercussions.

While the Fair Debt Collection Practices Act (FDCPA) generally applies to professional debt collectors, not typically to individuals collecting personal debts, adhering to principles of fairness and avoiding aggressive tactics is still advisable. Refrain from making false or damaging statements about the debtor in your texts, especially if they could be seen by others, as this could lead to claims of defamation.

Additionally, respect the debtor’s privacy by not disclosing the debt to third parties via text message or any other means. While state laws regarding debt collection can vary, common generalities across jurisdictions emphasize respectful communication and prohibit harassment. This information is provided for informational purposes only and does not constitute legal advice.