Experts say the best thing to do to protect your privacy is not to write or post anything that you might regret later.
The technology you use to communicate with others can come back to haunt you, Aftab noted.
"You do it when you're bored, you do it when you've got nothing else to do, you're doing it because you've thought about something and there's nothing in between the 'Gee, should I?' and doing it, other than the click of a key," she said. "We need to realize that if you're doing it in the digital world, there is a digital footprint."
In addition to employers and insurers, text messages are also being used by lawyers across the country as ammunition in divorce cases.
Mitchell Karpf, a family law specialist who is chariman of the American Bar Association, says text messages can make or break a divorce case.
"What happens, typically, is that one spouse denies a certain conduct that he or she may be engaging in and instead of engaging in a 'he said, she said,' what happens is there's concrete evidence," he said. "It's right there in black and white what has transpired, and there's no going back from that."
ABC News' Ki Mae Heussner contributed to this story.