Question

Which of the following acts by a third-party collector would be a violation of the FDCPA?

a. sending the debtor a postcard that reads: "Don't let this bill affect your excellent credit rating"
b. referring the account to an attorney for a lawsuit
c. calling the debtor at home at 8:30 AM to confirm the debt
d. filing suit without first contacting the debtor

Answer 1

Answer: C - calling the debtor at home at 8:30 AM to confirm the debt

Explanation: FDCPA meaning Fair Debt Collection Practices Act is an Act put in place to protect debtors from assaults from the debt collectors.

It was put in place to put sanity in the way debt collector collect their debts from their debtors.

There are a list of acts that are punishable by law if that are not adhered to during the process of debt recovery from debtors. They are also punishable by law if found guilty of any of these assaults.