What is a zortman message?

A Zortman message, which does not contain the consumer’s first or last name but discloses that the call is from a debt collector, is consistent with the FTC’s directive.

Will collection agencies leave a message?

Debt collectors are allowed to call you, but they cannot always leave a message on your answering machine. There are a few main instances when debt collectors might be sued for violating the privacy of those who are in debt, through a voicemail message. One of those instances is when it is accessed by a third party.

What is the debt collection rule?

Under the Debt Collection Rule, collectors are presumed to violate the law if they place a telephone call to you about a particular debt: More than seven times within a seven-day period, or. Within seven days after engaging in a phone conversation with you about a particular debt.

What does the debt collection rule cover?

12 CFR ยง 1006.14(a). In addition to this general prohibition, the Debt Collection Rule specifically prohibits a debt collector from placing telephone calls or engaging any person in telephone conversations repeatedly or continuously with the intent to annoy, abuse, or harass any person at the called number.

Are zortman voicemails considered limited content messages?

The voicemail message from Zortman is not a limited-content message because it does not contain all of the required content for a limited-content message and it includes additional content that is neither required content nor optional content for limited-content messages, specifically that the call is from a debt …

How many messages can a debt collector leave in one day?

Federal law doesn’t give a specific limit on the number of calls a debt collector can place to you. A debt collector may not call you repeatedly or continuously intending to annoy, abuse, or harass you or others who share the number.