Or turn your TV volume down, or go to the settings and change how it plays chat volume by turning it off, setting it to not play out your TV speakers, etc…
Hey
I completely agree with your assessment and it’s usually the younger gamers with the loudest voices. The way myself and the other top guys go about our racing is simple PRIVATE PARTY. I understand that their are a lot of people out there on the Forza server trying to prove their worth to the other gamers but they fail to understand you won’t do that in one race or more specifically the first corner. So until Forza find a better way to manage these guys it’s gonna have to be the PRIVATE PARTY for me and my fellow racers. Catch ya online 
ive got a kinect and its even more annoying…
whenever I play with others in the house I have to unplug it due to the fact you can’t talk with it on… I tend to hear a lot of stuff that I am pretty sure people are saying by accident…
you don’t have to unplug it
Go to settings and turn kinect chat off