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These collections efforts can include harmful and harassing conduct such as repeated phone calls from collectors to the borrower's home or place of work, as well as in-person visits to consumers' homes and worksites.
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In particular, the Bureau seeks comment on whether requiring lenders to include loans that were either charged-off or that were delinquent for a consecutive period of 120 days or more during the 12-month period would appropriately capture the portfolio default rate and what would be the justification for selecting some other threshold for portfolio loans.
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