The Consumer Financial Protection Bureau (CFPB) released an Outline of
Proposed Rules regarding debt collection within a 117-page document, some
of which addresses voice messages and frequency of contact, which have
been a hotly debated topic for years.
One of the proposals regarding voicemail requires that collectors leave
limited-content messages in their voicemails, in conversations with a
third party, or through other methods of communication such as texts or
emails. It is a proposal that would benefit the industry and, if enacted,
prevent frivolous lawsuits over voicemail content, which would encourage
more communication with consumers.
The other topic that has been a point of contention between consumers and
debt collectors is their frequency of contact. The CFPB’s newest
proposal seeks to limit contact frequency through what they are referring
to as “Confirmed Consumer Contact”. Once a collector has communicated
with a consumer about their debt, and the consumer answered, that person
is the debtor or alleged debtor. Since the collector has reached the consumer
and already knows how to best reach him or her, they will not need to
initiate contact as frequently.
Under this rule, there would be clearly defined caps on contact. If a collector
has confirmed contact, they can make a total of 3 contact attempts, per
week and per account. If they do not have confirmed contact, they can
make a total of 6 contact attempts.
At Sulaiman Law Group, LTD., our Chicago
creditor harassment lawyers are passionate about protecting the consumer rights of those we
serve in Illinois. Each one of our clients has the option to seek our
protective services through our Protect The Discharge program. If we discover
that your rights are being violated, we are prepared to file lawsuits
against the at-fault creditors.
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