Yet another text message. Who’s this one from? Seriously? A debt collector?

Getting texts from debt collectors might be annoying, but it’s not illegal. What is illegal is an incomplete disclosure and a harassing or deceptive attempt to collect money. For example, it’s against the law for debt collectors to pretend to be attorneys or falsely threaten to sue you, regardless of how they communicate — through texts, through letters, or through phone calls.

Is it your lucky day? If you’ve gotten a call or letter saying you’ve won a big cash prize, and just need to pay a small fee to claim it, maybe not.

It’s heartbreaking to see people lose their lives, homes, businesses, pets and livestock to ravaging floodwaters. But it’s despicable when scammers exploit such tragedies to tug at your heartstrings and appeal to your sense of generosity.

That’s why the Federal Trade Commission, the nation’s consumer protection agency, urges you to be cautious of potential charity scams in connection with the ongoing flooding in Colorado.