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Update to Federal Fair Debt Collection Practices Act

The Consumer Financial Protection Bureau (CFPB) made updates to the federal Fair Debt Collection Practices Act on November 30, 2021.

The updates include changes to how debt collectors can contact consumers.

With this update debt collectors can call consumers 7 times or 1 conversation per week for one debt.  This means that consumers who have multiple debts may receive many calls.

Unfortunately, there is no limit to the amount of texts or emails a debt collector can send.  But messages received in this manner must include instructions on how to opt out from receiving such messages in the future.  Click here to learn how to opt out from communication with debt collectors.

Debt collectors can also send messages through consumers’ social media accounts.

Debt collectors have a limited amount of time to collects on debts.  Once that time expires, they are prohibited from suing or making threats that they will sue you for debts that have already passed the statute of limitations.

If you have any further questions regarding these updates or a debt collection question, please give us a call.