Seven in seven, counted perfectly, every time.

Regulation F section 1006.14(b) creates a presumption of violation if a collector places telephone calls to a person in connection with a particular debt more than seven times within seven consecutive days, or within seven consecutive days after having had a telephone conversation with the person about that debt. The presumption can be rebutted, and the rule includes exceptions for calls made with the consumer's prior consent or in response to a request, calls that do not connect because of a wrong number, and calls to certain professionals. Conversely, fewer than seven calls can still be harassment if the pattern or intent shows it.

Several details matter in practice. The count is per debt, so a consumer with three debts could receive up to twenty-one attempts, though HL Hunt applies a debtor-level ceiling as well to avoid harassment claims. Voicemails and limited-content messages are attempts. The window is seven consecutive days, rolling, not a calendar week. And states can be stricter: Massachusetts permits two initiated communications per seven days, Washington three, and others have their own rules.

HL Hunt enforces all of this structurally. Every call attempt from any source, including manual agent calls through the workspace, is logged against the debt. Before any call, the rolling count and any cooling period are checked against the applicable federal or state limit. If the limit is reached, the call is blocked and the AI shifts to text, email, or letter for that debt. Agents see remaining attempts on each account. Every block is logged as evidence of the control.