Communication or Communicating means conveying information directly or indirectly to any person through any medium excluding nonidentifying communications.
7.04: Contact with Debtors
(1) It shall constitute an unfair or deceptive act or practice for a creditor to contact a debtor in any of the following ways:
(f) Initiating a communication with any debtor via telephone, either in person or via text messaging or recorded audio message, in excess of two such communications in each seven-day period to either the debtor's residence, cellular telephone, or other telephone number provided by the debtor as his or her personal telephone number and two such communications in each 30-day period other than at a debtor's residence, cellular telephone, or other telephone number provided by the debtor as his or her personal telephone number, for each debt, provided that for purposes of 940 CMR 7.04(1)(f), a creditor may treat any billing address of the debtor as his or her place of residence, and provided further, that a creditor shall not be deemed to have initiated a communication with a debtor if the communication by the creditor is in response to a request made by the debtor for said communication;
I don't answer unfamiliar numbers, probably is Verizon. I'm a few days behind on Verizon due to sudden forced relocation (landlord passed suddenly, major refinance company expected property sale in 20 microseconds), so I had minor issues coming up with a new rental deposit (until house sells and new landlord refunds existing deposit)... Verizon, this is actual reality. Be in expectation of it.