The term consumer debt does not include an extension of credit secured by a mortgage. The term debt buyer does not include a person or entity that acquires delinquent or charged-off debt as an incidental part of acquiring a portfolio of debt that is predominantly not delinquent or charged-off debt. A i Making in excess of 4 phone calls per account, inclusive of all phone numbers the debt collector has for the consumer, in any 7-day period; except, that the limit of 4 calls per account in any 7-day period shall not apply to calls made to:.
I A debt collector by a consumer;. II A single completed phone call made by a debt collector in response to a consumer's request for a returned phone call;. III Calls when there is no connection or ability to leave a message; or. IV Calls made to a wrong number that is not affiliated with the consumer or the consumer's family.
B i Sending text messages, emails, and private messages through social media platforms to a consumer prior to mailing the written notice required pursuant to subsection m 2 A of this section;. II The limit of 5 text messages, emails, and private messages per account in any 7-day period shall not apply to messages or emails sent to a debt collector by a consumer, to messages or emails sent by a debt collector in response to a consumer's request for a response, or to messages or emails sent to a wrong number or email address that is not affiliated with the consumer or the consumer's family.
III Debt collectors must include opt-out language in all emails, text messages, and private messages, and consumers shall be able to opt-out of receiving communications from debt collectors via text message, email, or private message at any time;.
A when such indebtedness had been guaranteed by the employer or the employer has requested the loan giving rise to the indebtedness; or. B when such communication is in connection with an attachment or execution after judgments as authorized by law;.
