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Causing a telephone to ring to harass or annoy a consumer is an express violation of the Fair Debt Collection Practices Act (FDCPA). It is also a violation of the FDCPA for a debt collector to call early in the morning or late at night.

(1) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. (2) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

Include your full name, company name, and mailing address. Address the letter to your client by their full name. State the problem: Specify and provide proof of the debt in question. Reference the original contract or agreement that states the services the client owes you for.

The trick is to know how to plan invoice collection. Use the Pareto Principle (80-20 rule); that is, often 20% of your customers will account for 80% of the overall money owed to you.

One of the most rigorous rules in their favor is the 7-in-7 rule. This rule states that a creditor must not contact the person who owes them money more than seven times within a 7-day period. Also, they must not contact the individual within seven days after engaging in a phone conversation about a particular debt.

Specifically, the law requires a judgment creditor to now take additional steps to verify a judgment debtors address and provide notice of enforcement. The law further limits the time period during which an earnings withholding order may be enforced and the frequency with which such an order may be sought.

Here's a snapshot of the main requirements and contact restrictions of Regulation F: The 7-in-7 rule: Reg F stipulates that there may be no more than seven (7) calls made by a debt collector to a consumer in a span of seven (7) days.

Example ? Hi Customer Name, this is Your Name from Your Company. I'm calling about your overdue invoice invoice number for amount due which was due on due date. I wanted to check in with you to see if there was a reason the payment has been delayed and if there's any way we can assist.

The Fair Debt Collection Practices Act says debt collectors can't harass, oppress, or abuse you or anyone else they contact. For example, debt collectors can't: Make repeated phone calls that are intended to annoy, abuse, or harass you or any person answering the phone. Use obscene or profane language.