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Early Intervention and FDCPA
When a servicer is acting as a debt collector under the FDCPA
and any borrower on the loan has invoked the FDCPA cease
communication protections:
Live Contact – The servicer is exempt from the early
intervention live contact requirements.
Written Notice – The servicer must provide modified written
early intervention notices if:
a. any loss mitigation option is available, and
b. no borrower on the loan is a debtor in bankruptcy.
