![]() The limits generally apply per debt but in the case of student loan debt – depending on the facts – multiple debts could be counted together as one “particular debt,” so the limits would apply to those debts as a group. There may be some exceptions to this, including if you gave them consent to call more frequently. For example, if the debt collector placed seven calls to you about a debt within a seven-day period, but all seven calls were made on the same day, they could be violating the law. ![]() Within seven days after engaging in a telephone conversation with you about the particular debt.įactors such as the frequency and pattern of phone calls and voicemails may also be used to assess whether a debt collector complied with or violated the law. ![]()
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