The consumer's home address, home phone number and place of employment.
The consumer's home phone, work phone number and place of employment.
The consumer's home address, cell phone number and place of employment.
The consumer's home phone number, work phone number and cell phone number.
The consumer’s parents.
The consumer’s employer.
The consumer’s accountant.
The executor of the estate of a deceased consumer.
Between 8:00 a.m. and 9:00 p.m. in the collector’s time zone.
Between 8:00 a.m. and 9:00 p.m. in the consumer’s time zone.
Between 9:00 a.m. and 8:00 p.m. in the consumer’s time zone.
Between 9:00 a.m. and 8:00 p.m. in the collector’s time zone.
State implications of non-payment of dues
Use Federal or State authority names to attempt and collect a debt.
Disclose the debt to a consumer’s spouse under a spousal state
Contact the consumer at his place of employment
Can be rude to a consumer if the consumer is rude first.
Can demand immediate payment during the Validation Period.
Can imply that the consumer will be sued if it will influence the consumer to pay.
Can contact the consumer at work if it is not inconvenient for the consumer.
Must disclose that the communication is from a debt collector.
Must only communicate with the consumer once, unless the debt collector believes the consumer has updated information.
Must not communicate with the consumer during peak business hours.
Must not disclose his employer unless specifically requested.
A watchdog for ethical trade practices in the United States
A federal law governing the ethical collection of past due debts.
The federal government agency enforcing debt collection laws.
A trade association for credit and collection professionals.
Requires no response by a debt collector.
Requires a debt collector to communicate with a consumer in writing.
Requires a debt collector to communicate with a consumer by telephone.
Requires a debt collector to cease communicating with a consumer regarding a debt.
Requesting payment in the first collection call.
Offering a settlement that expires after the validation period expires.
Demanding immediate payment during the validation period.
Not offering a settlement.
Provide written notice of the intent to deposit a check post dated by more than 5 days.
Contact a consumer between 10:00 a.m. and 7:00 p.m. in the collector’s time zone.
Contact a third party repeatedly to obtain location information.
Increase the amount of the debt if the consumer does not pay.
Continue regular collection efforts.
Not apply payments to the disputed portion of the debt.
Explain the consumer’s wages will be garnished.
File suit to collect the debt.
A minimum of $1,000 in statutory damages.
Actual damages of $1,000 per violation.
Statutory damages of up to $1,000 and attorney’s fees.
Debt collectors cannot be sued under the FDCPA.
Make debt collection more difficult.
Allow consumers to discharge their past due debts.
Handcuff debt collectors with onerous provisions.
Eliminate abusive collection efforts.
Provides notice that the time or place of the communication might be inconvenient for the consumer.
Has no impact on debt collection efforts.
Has the same impact as a written refusal to pay.
A debt collector may communicate with the consumer or the attorney and attempt to obtain location information from third parties.
A debt collector may communicate with the attorney and attempt to obtain location information from third parties.
A debt collector may communicate with the attorney only.
A debt collector must cease all communications regarding the debt.
Must notify a debt collector verbally or in writing that he cannot take calls at work.
Must send a written notice enclosing the employer’s policy regarding personal calls at work.
Must have his employer contact the debt collector to provide notice.
Cannot stop collection attempts at the place of employment.
Has no impact on collection calls.
Requires the debt collector to cease communication and provide verification of the debt.
Requires the debt collector to provide verification of the debt, but collection efforts may continue.
Requires the creditor to contact the consumer to provide the verification of the debt.
If you do not pay this debt immediately we will bring suit against you.
You can avoid having a lawsuit brought against you if you settle your account with a 50% payment within 5 days.
This debt is seriously delinquent. The balance in full is due.
You have to request validation or pay within 20 days.
Applies to first party grantors.
Applies to written communications, but not verbal communications.
Was enacted to eliminate abusive, deceptive, and unfair debt collection practices.
Was enacted to encourage consumers to file bankruptcy.