Question

Under the Fair Debt Collection Practices Act, which of the following may a debt collector do in trying to collect an outstanding debt? Group of answer choices Call a debtor between 8:01 a.m. and 8:59 p.m. Contact the debtor directly, even when the debtor is represented by an attorney. Charge an additional debt collection fee on top of what is already owed. Tell family members and coworkers that the debtor is in debt.

Answer 1

Under the Fair Debt Collection Practices Act (FDCPA), debt collectors have certain limitations when attempting to collect an outstanding debt.

Step-by-step explanation:

Under the Fair Debt Collection Practices Act (FDCPA), debt collectors have certain limitations when attempting to collect an outstanding debt. They are allowed to:

1. Call a debtor between 8:00 a.m. and 9:00 p.m., local time.
2. Contact the debtor directly, even if they are represented by an attorney, unless specifically instructed otherwise by the attorney.
3. They are prohibited from:

• Charging an additional debt collection fee on top of the amount owed.
• Telling family members, coworkers, or anyone else that the debtor is in debt.

These rules are designed to protect debtors from harassment and ensure fair debt collection practices.