Call a consumer within seven days of the phone conversation about that debt. The 7-in-7 rule, sometimes called the 7×7 rule or the 777 rule, is one of the most stringent rules in favor of consumers when it comes to debt collection rights. This rule states that a creditor should not contact the person who owes them money more than seven times in a 7-day period. With regard to telephone calls, Regulation F redefines the rules of consent (the consumer must give their consent and the collector cannot continue if the consumer requests in writing that communication be stopped), the content (no misleading or harassing content, no blasphemy), the frequency of calls (see rule 7 out of 7 above), the appropriate times (8 a.m.The Fair Credit Extension Uniformity Act regulates the debt collection activities of Pennsylvania collectors and creditors.
If you are dealing with debt collectors, it is important to know your rights and seek guidance from a Personal Injury Attorney near Daniel Island SC.This law, which came into effect on June 26, 2000, prohibits debt collectors and creditors from engaging in certain unfair or deceptive acts or practices when attempting to collect debts. The Fair Credit Uniformity Act encompasses the federal debt collection law and the Fair Debt Collection Practices Act, and establishes certain important restrictions on the conduct of debt collectors. You can find more information about the Fair Debt Collection Practices Act, including a summary of how the most recent regulations that interpret the Act may affect consumer rights, here. Debt collectors and creditors may contact third parties solely for the purpose of obtaining information about your location.
During these contacts with third parties, debt collectors and creditors may not disclose that you have any debt. Pennsylvania Attorney General's Office Strawberry Square Harrisburg, PA 17120 717-787-3391.