I keep getting calls from a collection agency about an old student loan default in Raleigh. What are my rights under federal law?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
I keep getting calls from a collection agency about an old student loan default in Raleigh. What are my rights under federal law?
3 real searches · 1 real-search pass
CFPB debt collection rule phone calls 7 in 7 days validation notice 30 days cease communication FDCPA officialGoogle ↗
OBSERVED
Federal student loan default collection rights administrative wage garnishment tax refund offset limitations statute official Department EducationGoogle ↗
OBSERVED
FTC FDCPA applies student loan debt collectors federal student loans statute of limitations federal student loans officialGoogle ↗
OBSERVED
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.
Classifying 3 queries…
Searches and sources
ChatGPT3 real searches · gpt-6
CFPB debt collection rule phone calls 7 in 7 days validation notice 30 days cease communication FDCPA official Google ↗
Federal student loan default collection rights administrative wage garnishment tax refund offset limitations statute official Department Education Google ↗
FTC FDCPA applies student loan debt collectors federal student loans statute of limitations federal student loans official Google ↗
- When and how often can a debt collector call me on the phone? · consumerfinance.gov
- Debt Collection Rule FAQs · consumerfinance.gov
- U.S.C. Title 15 · govinfo.gov
- What are my options if a debt collection agency contacts me about my student loans? · consumerfinance.gov
- Can debt collectors collect a debt that’s several years old? · consumerfinance.gov
- U.S.C. Title 20 · govinfo.gov
- Federal Student Aid – StudentAid.gov · studentaid.gov
- Fair Debt Collection Practices Act · ftc.gov
- VII-3 Fair Debt Collection Practices Act · fdic.gov
- Consumer Financial Protection Bureau · consumerfinance.gov
- Federal Trade Commission · ftc.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
CFPB debt collection rule phone calls 7 in 7 days validation notice 30 days cease communication FDCPA official OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
Federal student loan default collection rights administrative wage garnishment tax refund offset limitations statute official Department Education OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
FTC FDCPA applies student loan debt collectors federal student loans statute of limitations federal student loans official OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |