Communications in connection with debt collection.

CFR · 2024-01-01 · US · Title 12

(a) (1) The consumer's spouse; (2) The consumer's parent, if the consumer is a minor; (3) The consumer's legal guardian; (4) The executor or administrator of the consumer's estate, if the consumer is deceased; and (5) A confirmed successor in interest, as defined in Regulation X, 12 CFR 1024.31, or Regulation Z, 12 CFR 1026.2(a)(27)(ii). (b) (i) At any unusual time, or at a time that the debt collector knows or should know is inconvenient to the consumer. In the absence of the debt collector's knowledge of circumstances to the contrary, a time before 8:00 a.m. and after 9:00 p.m. local time at the consumer's location is inconvenient; or (ii) At any unusual place, or at a place that the debt collector knows or should know is inconvenient to the consumer. (2) (i) Fails to respond within a reasonable period of time to a communication from the debt collector; or (ii) Consents to the debt collector's direct communication with the consumer. (3) (4) (i) The prior consent of the consumer, given directly to the debt collector during a communication that does not violate paragraphs (b)(1) through (3) of this section; or (ii) The express permission of a court of competent jurisdiction. (c) (2) (i) To advise the consumer that the debt collector's further efforts are being terminated; (ii) To notify the consumer that the debt collector or creditor may invoke specified remedies that the debt collector or creditor ordinarily invokes; or (iii) Where applicable, to notify the consumer that th

official document · source cfr-2024 · id 12:§ 1006.6