Final answer:
Under the Fair Debt Collection Practice Act, it is illegal for anyone to engage in certain deceptive and abusive practices when attempting to collect a debt.
Step-by-step explanation:
Under the Fair Debt Collection Practice Act, it is illegal for anyone to engage in certain deceptive and abusive practices when attempting to collect a debt. These practices include:
- Harass or abuse the debtor: This includes using threats, obscene language, or repeatedly calling with the intent to annoy or harass the debtor.
- Use false or misleading statements: Debt collectors cannot lie about the debt amount, interest rates, or legal actions. They also cannot falsely represent themselves as government officials or attorneys.
- Engage in unfair practices: This includes taking or threatening to take actions that are not allowed by law, such as seizing exempt property or collecting additional fees that are not authorized.