How Many Times Can a Debt Collector Call You Per Day?
The Consumer Financial Protection Bureau (CFPB) implemented Regulation F in November 2021, which provides clearer guidelines on call frequency for debt collectors.
The 7-in-7 Rule
Under Regulation F, a debt collector is presumed to violate the FDCPA's prohibition on harassment if they:
- Place more than 7 phone calls within a 7-day period regarding a particular debt
- Place a phone call within 7 days of having a telephone conversation with you about a particular debt
Important Distinctions
- The 7-in-7 rule applies per debt, not per consumer. If you owe multiple debts, a collector could technically call 7 times per week about each separate debt.
- The rule counts call attempts, not just connected calls. Even if you do not answer, the attempt counts.
- This is a presumption of a violation, not an absolute cap. A collector could argue that more calls were not harassing under the specific circumstances.
What You Can Do
- 1. Keep a call log. Document every call with dates, times, and phone numbers.
- 2. Send a written cease communication request. Under the FDCPA, you have the right to request that a debt collector cease all communications.
- 3. Report violations. File complaints with the CFPB and your state attorney general's office.
Disclaimer
This article is for educational purposes only and does not constitute legal advice. Consult with a licensed attorney for guidance specific to your situation.