Creditors must adhere to the regulations, instructions, standards, and professional conduct when communicating with the consumer or their guarantor and comply with the following as a minimum:

1. Protect the financial and personal information of consumers and guarantors, maintaining their privacy, and not using such information except for specific professional and legal purposes with the consumer's consent. 
    
2. Do not make any phone calls to anyone other than the consumer or their guarantor, and verify the identity of the call recipient at the start of the phone call. 
    
3.  Limit phone call attempts with the consumer or guarantor to not exceed ten phone calls - at most - every thirty days for each financing product - in case of multiple products, and enable the consumer or guarantor to return the call to the number used to contact them, ensuring communication occurs during official working hours. 
    
4.  Document communication with consumers or guarantors (incoming or outgoing), and retain records for no less than ten years from the date of communication, and inform the consumer or guarantor at the beginning of the phone call that it is being recorded. 
    
5. Enable consumers or their guarantors to evaluate their satisfaction at the end of the phone call, whether for collection purposes or to receive complaints, ensuring this is documented electronically. 
    
6. Activate direct channels for communication with consumers to allow inquiries or clarifications regarding existing claims. 
    
7. Do not communicate with the consumer or their guarantor using envelopes with phrases indicating they contain debt collection information or similar. 
    
8.  Do not visit the consumer or their guarantor under any circumstances, whether at their residence or workplace.