Give Me Credit Episode 13

In this episode of Give Me Credit, John Mackey and J.S. Whaldo break down how the Fair Debt Collection Practices Act (FDCPA)—and its modern update, Regulation F—protects you in the digital age. From the 7-in-7 rule limiting call frequency to new rules for texts, voicemails, and social media, they explain how collectors must now play by the same rules online as they do by phone.You’ll learn what a validation notice is, how to use a cease and desist letter to stop unwanted contact, and why documentation is your best defense.With their trademark mix of insight and candor, Mackey and Whaldo remind consumers that knowledge is leverage. In the digital age of debt collection, understanding your rights isn’t just protection — it’s power.To receive new posts and support my work, consider becoming a free or paid subscriber.Thanks for listening to Give Me Credit! This post is public, so feel free to share it. Get full access to Mortgage Lending Explained at jswhaldo.substack.com/subscribe