Urge the CFPB to finalize a strong debt collection rule that:  

• -- Limits collectors to one conversation and three attempts per week, per consumer;
   
• -- Requires consent before contacting consumers via email, text, or direct message; allows consumers to stop these messages by simply replying or using any convenient method; and does not require clicking a hyperlink to receive information about the debt and your rights;
   
• -- Does not protect attorneys who make false, deceptive or misleading statements, and requires them to review original account level documents to determine they are filing a lawsuit against the right person, for the right amount, and that their client has the legal authority to do so.
   
• -- Collection of time-barred debt in and out of court because these debts are so old that records are lost, the collector may have the wrong information, and the debt cannot be collected without mistakes or deception.   

See our issue brief for more on what the proposed rule does and our recommendations for strengthening it.