The Debt Collector 777 Rule

The Debt Collector 777 Rule Summary​

The "777 Rule" in debt collection, established by the Consumer Financial Protection Bureau (CFPB), limits how often a debt collector can contact a consumer regarding a specific debt, stating they cannot make more than seven calls within a seven-day period and must wait at least seven days after having a phone conversation with the consumer about that debt before calling again; essentially preventing excessive contact from debt collectors. 

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Key points about the 777 Rule:

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Contact frequency:

A debt collector cannot make more than seven phone calls within a seven-day period concerning a specific debt. 

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Call-to-call timeframe:

They must wait at least seven days after speaking with the consumer about a debt before attempting to call again. 

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Applies to specific debts:

This rule applies to each individual debt separately, meaning the seven-call limit resets for each different debt owed.