Under the Rule, debt collectors must not, with some exceptions, communicate in connection with the collection of a debt with a third party. 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. Regarding 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 (without misleading or harassing content, without blasphemy), the frequency of calls (see rule 7 out of 7 above), the appropriate times (8 a.m.Under rule 7 out of 7, debt collectors are restricted to contacting a consumer no more than seven times in a seven-day period.
This rule applies to all methods of communication, whether they are phone calls, emails, text messages, or other forms of contact. For example, if you have several uncollected debts, the collection agency may call up to seven times a week for each debt, but you must still meet the seven-day waiting period after talking to you. Regulation F of the CFPB is a debt collection law that applies to debt collectors, with the same definition as the Fair Debt Collection Practices Act used. For the purposes of the Special Mortgage Rule, the most recent periodic status is the periodic state required under Regulation Z, 12 CFR § 1026.41, which was last provided to the consumer.
The use of a statement issued by a debt collector (who is not also a creditor) to determine the breakdown date is only allowed under the Special Rule. For example, a consumer may indicate that they should not be disturbed or that they cannot speak to the debt collector at certain times or places. For example, a consumer may qualify the consumer's home as inconvenient, and the debt collector should not communicate or attempt to communicate with the consumer through any means of communication associated with the consumer's home, such as the consumer's home landline number. The 7-in-7 rule is designed to protect the FDCPA consumer by helping to protect consumers from being overwhelmed by creditors.
As long as the business name used by the debt collector, by itself, does not indicate that the caller is engaged in debt collection, the message will be a limited-content message, as long as it meets the other requirements for a limited-content message. Southwest Recovery Services can help you understand the 7-in-7 rule and give you the best chance of receiving the money you are owed. Any other communication or attempted communication sent to that particular email address or telephone number after the consumer has opted out of participating violates the Debt Collection Rule's prohibition of harassing, oppressive, or abusive conduct, unless an exception applies or applicable law requires: contrary. However, a debt collector could violate the general prohibition if the natural consequence of another aspect of the debt collector's phone calls, unrelated to frequency, is to harass, oppress, or abuse anyone in connection with debt collection.
Similarly, if a person tells a debt collector to “stop sending me emails,” that person has requested that the collector not use email to contact that person. For more information on the definitions of “attempted communication” and “communication”, see section 3.3 of the Compliance Guide for Small Debt Collection Institutions. For debt collectors, complying with these guidelines is essential to maintaining compliance with the Fair Debt Collection Practices Act (FDCPA).). According to Regulation F, when a debt collector at your agency initiates contact with the consumer, they must inform them that the purpose of the call is debt collection and that any information shared by the consumer will be used for that purpose.