in-house collections

Such as? In house collections is not subject to the FDCPA except (i think) in California where they have there own state regs.

I do collections for my credit union where our members may have their savings, checking, ira, etc in addition to their loans. Due to the economy our senior mgmt is holding us up to charged off collection practices such as calling every three days (no exceptions) and making a min of 150 calls per day (calls must last less than 4 mins). They feel our phone call should be, "When and how much can you pay. Bye". What we feel they fail to recognize it that we know their deposit is coming in a week from today and we shouldn't call them 2-3 times in between. Or that a significant number of calls may last more than 4 minutes because we are helping them determine the best course of action for them and how to do each one; work out loan, deferments, onlline payments, payroll splits. There may be other questions about other aspects of their account they need help with.
I have not been able to find best practices that deal with in-house collection in a financial institution that takes the whole account into account. Please help end our calling madness!