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7-In-7 Debt Collection Rule

Debt collection is an important aspect of the financial world, as it allows businesses and lenders to recoup money that is owed to them. Since 2011, Oxygen XL has proudly partnered with businesses across the US to assist in collecting unpaid debts. Unlike some debt collectors, we follow all state and federal laws. We provide resources and support to assist you in your journey to becoming debt free. 

There are laws in place to ensure that debt collection practices are fair and ethical for you, the consumer. One such law is the “7-in-7” rule which is in place to prevent you from being harassed or overwhelmed by creditors during what may already be a difficult time. The Fair Debt Collections Practices Act (FDCPA) Regulation F went into effect on November 30, 2021, and outlines how and when debt collectors can communicate with debtors.

What Is The 7-In-7 Rule And What Does It Mean For You?

Under the Fair Debt Collection Practices Act (FDCPA), the 7-in-7 rule sets limitations on the number of times a debt collector can attempt to call you in one week and outlines what information they must provide you with upon initial contact.

The Basics Of The 7-in-7 Rule:

  • Prohibits debt collectors from calling you more than 7 times within 7 consecutive days. Contact attempts are cumulative and not specifically restricted to a single attempt to contact you per day for those 7 consecutive days.
  • It is illegal for a creditor or debt collector to contact you again within 7 days following a telephone conversation with you about a specific debt.
  • Shortly after their initial communication, the debt collector is required to send you a written notice, also known as validation notice, informing you of your right to dispute the debt and request verification.

Exceptions To The 7-In-7 Rule:

  • A debt collector can contact you again if you specifically request for them to reach out to you more frequently and/ or sooner than the 7-day time period.
  • A debt collector’s attempts to contact you are not counted if the phone number they are calling is not in service, there is no answer and/ or they are not able to leave a voicemail message.

What Types Of Communication Are Covered In The 7-In-7 Rule?

  • Telephone Calls
  • Voicemail Messages
  • Pre-Recorded Voicemail Messages
  • Limited-Contact Messages Left With A Person

The purpose of the 7-in-7 rule is to protect consumers from unscrupulous debt collection practices. By providing you with the opportunity to verify the debt, you can ensure that you are not being charged for something you did not incur. Additionally, you have the ability to dispute the debt if you believe it is inaccurate or unfair.

Learn more about your rights on the Consumer Financial Protection Bureau’s (CFPB) website. The CFPB is a government agency that focuses on protecting you from scams and making sure you are treated fairly by banks, lenders, creditors and other financial institutions.

Oxygen XL Is Here to Help You

At Oxygen XL, we believe it is important for you to know your rights and understand the laws and regulations that govern our debt collection activities. We are an accredited member of the ACA International, an organization that establishes ethical standards in the accounts receivable industry. Check out our Google Reviews below and you will see how we help people just like you resolve their unpaid debt.

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Contact Us Today

Oxygen XL’s dedicated professionals are ready to assist you. We understand how frustrating it is to learn of an unpaid debt. Oxygen XL’s dedicated professionals are ready to assist you. Contact us today to learn about your options and find out if debt settlement or negotiation is a possibility.

Mailing Address:
Oxygen XL
9450 SW Gemini Drive
#34354
Beaverton, OR 97008

Email: collections@oxygenxl.com

Telephone: 845-367-4330

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