Are collection agencies allowed to call my parents about my student debt, and what is the best strategy to get them to stop while I negotiate a payment plan?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Are collection agencies allowed to call my parents about my student debt, and what is the best strategy to get them to stop while I negotiate a payment plan?
3 real searches · 1 real-search pass
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). 3 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
FTC debt collection third parties contact family members FDCPA location information official Google ↗
CFPB debt collectors contact family members student loan debt FDCPA official Google ↗
FDCPA 15 USC 1692b 1692c third party contact official Google ↗
- CFPB's explanation of third-party contact rules · consumerfinance.gov
- § 1006.6 Communications in connection with debt collection. · consumerfinance.gov
- 15 U.S.C. § 1692c: Communication in connection with debt collection · uscode.house.gov
- How do I get a debt collector to stop calling or contacting me? · consumerfinance.gov
- Fair Debt Collection Practices Act · ftc.gov
- Consumer Financial Protection Bureau · consumerfinance.gov
- Debt Collection Rule FAQs · consumerfinance.gov
- Options when a debt collection agency contacts you about student loans · consumerfinance.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
FTC debt collection third parties contact family members FDCPA location information official OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 | |
CFPB debt collectors contact family members student loan debt FDCPA official OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
FDCPA 15 USC 1692b 1692c third party contact official OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |