grabershane's Comments

Consumer Debt Collection Practices (ANPRM) | Closed Rule

grabershane
2

I don't know what constitutes as "repeatedly or continuously," but more than once a day seems to qualify. The system is designed to give collectors complete control, leaving the consumer with none. Letters through the mail is a much more effective approach, but collectors refuse to honor that request.

grabershane
3

Unless the consumer chooses to communicate by phone, all correspondences from collectors should go through mail. This allows the consumer to take time in considering what the collector is requesting. It also avoids confusion for both parties. The only reason this isn't the standard approach is because it limits how annoying and embarrassing collectors can be--plain and simple.