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)calling the debtor at home at 8:30 AM to confirm the debt
C)referring the account to an attorney for a lawsuit
D)filing suit without first contacting the debtor

Question

Quizplus · Accepted Answer

The FDCPA prohibits the use of any language or symbols on an envelope or postcard that indicate the communication relates to debt collection.

Answer: B
 The FDCPA prohibits collectors from contacting a debtor before 8:00 AM or after 9:00 PM, unless the debtor expressly agrees to other times.

Answer: D
 The FDCPA requires that a collector make an effort to contact the debtor before filing a lawsuit.

Which of the Following Acts by a Third-Party Collector Would