What are my rights under federal law when collection agencies keep calling me every single day about old medical bills?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What are my rights under federal law when collection agencies keep calling me every single day about old medical bills?
3 real searches · 1 real-search pass
site:consumerfinance.gov debt collection 7 calls 7 consecutive days Regulation F medical debt stop contacting written noticeGoogle ↗
OBSERVEDConsequence
site:ftc.gov Fair Debt Collection Practices Act validation notice 30 days time barred debt statute limitationsGoogle ↗
OBSERVEDReason
ecfr.gov 12 CFR 1006.14 telephone call frequency 7 daysGoogle ↗
OBSERVEDReason
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (3)
Classes come from the query-classifier (a local Laya model). 2 of 3 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT3 real searches · gpt-6
site:consumerfinance.gov debt collection 7 calls 7 consecutive days Regulation F medical debt stop contacting written notice Google ↗
site:ftc.gov Fair Debt Collection Practices Act validation notice 30 days time barred debt statute limitations Google ↗
ecfr.gov 12 CFR 1006.14 telephone call frequency 7 days Google ↗
- Debt Collection FAQs · consumer.ftc.gov
- Know your rights when a debt collector calls · consumerfinance.gov
- File a complaint with the CFPB · consumerfinance.gov
- CFPB debt collection resources · consumerfinance.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
site:consumerfinance.gov debt collection 7 calls 7 consecutive days Regulation F medical debt stop contacting written notice OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
site:ftc.gov Fair Debt Collection Practices Act validation notice 30 days time barred debt statute limitations OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
ecfr.gov 12 CFR 1006.14 telephone call frequency 7 days OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |