Frequency of Debt Collection Phone Calls
By Nicholas Ortiz, Boston Bankruptcy Attorney on Oct 18, 2007 in General Bankruptcy Information
The debt collection regulations of the Massachusetts Division of Banks limit the number of times a debt collector can call a consumer in Massachusetts. A debt collector can not communicate with a consumer at home via a telephone call initiated by the debt collector more than twice in each seven-day period. A debt collector can not communicate with a consumer at a place other than their home via a telephone call initiated by the debt collector more than twice in each 30-day period. The regulation does not specify what counts as a communication, but likely an actual conversation or a voice mail message would be a communication. A phone call that wasn’t answered and did not result in a voice mail message would almost certainly not count as a communication. This regulation is regularly violated by debt collectors.
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