Final answer:
The two practices not conforming to telephone collection rules are leaving a message at work revealing the nature of the call and making repeated calls on the same day. Providing detailed information about the debt and calling during reasonable hours are practices that typically conform to the guidelines.
Step-by-step explanation:
The question relates to what practices do not conform to the general rules for telephone collections. Options that do not conform would potentially infringe upon consumer rights or the regulations set by the Fair Debt Collection Practices Act (FDCPA).
- Option 1: Leaving a message at work revealing the nature of the call is not allowed as it violates the privacy of the indebted individual and could potentially disclose their personal financial situation to unauthorized parties.
- Option 2: Making repeated telephone calls on the same day can be considered harassment, which is against the FDCPA regulations. Collectors are expected to avoid causing undue stress and annoyance through excessive contact.
However, Option 3, providing detailed information about the debt, is usually permitted as long as it's to the debtor themselves or someone legally authorized to receive such information. Lastly, Option 4, calling during reasonable hours, is in fact a practice that conforms to the guidelines which typically suggest calling between 8 a.m. and 9 p.m. local time.
It is crucial for anyone involved in debt collection to refrain from practices such as revealing sensitive details in inappropriate settings and making excessive calls, while ensuring that they keep communication lines open during appropriate times and respect the rights of the individual indebted.