| for liability | 3 | purpose |
| from the regulation | 3 | other |
| under the fdcpa | 2 | location |
| creditor → be → exempt | 11 |
| creditor → exempt → the debtor | 3 |
| negative | neutral | positive |
| 0.198 | 0.759 | 0.044 |
| Raw frequency | 14 |
| Normalized frequency | 0.292 |
| Modifier score | 0.500 |
| Perplexity | 163.977 |