I will provide an answer that is generally responsive to your question. Keep in mind that the requirements of the regulatory framework that is foundational to debt collection, the Fair Debt Collection Practices Act (FDCPA), are rather vast, and there are plenty of regulatory minefields. We're glad to help you with a comprehensive policy document that reflects your compliance needs; however, much also depends on an institution’s size, complexity, and risk profile.
Under the FDCPA, a debt collector must have the prior consent of the consumer, or the express permission of a court of competent jurisdiction, to communicate with the consumer in connection with the collection of any debt.
Essentially, there are three communication prohibitions. The debt collector should not contact the consumer ...