Answer:
Yes. Section 5 of the Federal Trade Commission Act says that if a door-to-door salesman fails to give consumers a three day opportunity to cancel their sale, he has committed a violation of the section. This protects consumers from savvy salesmen.
Here, the G family attempted to cancel the sale within that three day period, so RB was required by law to allow the G family to do so. Their failure constitutes a violation of Section 5.
Answer:
(a) The Fair Debt Collection Practices Act (FDCPA) protects consumers from overzealous debt collectors. Under this Act, debt collectors are ones that work for an authorized collection agency. These debt collectors cannot contact the consumer at work if the employer objects, contact the debtor at inconvenient times, contact third parties, or harass or intimidate the debtor.
Although CI can claim they are not an authorized collection agency, they are representing themselves as such to debtors. CI also applies usury fees to their collections. Furthermore, they are harassing the debtors by calling them names and calling them frequently. The court will probably will probably find CI in violation of the act.
(b) The FDCPA protects all consumers from possibly unsavory practices of collection agencies. Debtors who have debts that are sent to collection agencies are not necessarily dead beats, nor should they be characterized as such. Some individuals face extenuating circumstances that may make it difficult to pay back debts, despite their best efforts.
Answer:
Yes. Section 5 of the Federal Trade Commission Act says that if a door-to-door salesman fails to give consumers a three day opportunity to cancel their sale, he has committed a violation of the section. This protects consumers from savvy salesmen.
Here, the G family attempted to cancel the sale within that three day period, so RB was required by law to allow the G family to do so. Their failure constitutes a violation of Section 5.