Podcast
Questions and Answers
What does the FDCPA stand for?
What does the FDCPA stand for?
Fair Debt Collection Practices Act
What time, and up to what time, can we communicate with the debtor each day?
What time, and up to what time, can we communicate with the debtor each day?
After 8AM and before 9PM, at debtor's location.
What kind of debt does not applies to Fair Debt Collection Practices Act?
What kind of debt does not applies to Fair Debt Collection Practices Act?
debts of a commercial nature or business debts
What is the purpose of regulating communication under the FDCPA?
What is the purpose of regulating communication under the FDCPA?
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What happens if a debt collector violates the communication regulations under the FDCPA?
What happens if a debt collector violates the communication regulations under the FDCPA?
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A debt collector can publish a list of individuals who have not paid their debts.
A debt collector can publish a list of individuals who have not paid their debts.
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Debt collectors can contact a debtor's workplace if the employer forbids such contacts.
Debt collectors can contact a debtor's workplace if the employer forbids such contacts.
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When was the Fair Debt Collection Practices Act (FDCPA) enacted?
When was the Fair Debt Collection Practices Act (FDCPA) enacted?
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Debtors can potentially receive three types of damages: actual damages, additional damages up to $1,000, and punitive damages up to $1,000 per individual or up to $500,000 or _________ of the debt collector's net worth in class-action lawsuits.
Debtors can potentially receive three types of damages: actual damages, additional damages up to $1,000, and punitive damages up to $1,000 per individual or up to $500,000 or _________ of the debt collector's net worth in class-action lawsuits.
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Under what conditions can debt collectors avoid liability for FDCPA violations?
Under what conditions can debt collectors avoid liability for FDCPA violations?
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What information must debt collectors provide to consumers within five days of the initial communication?
What information must debt collectors provide to consumers within five days of the initial communication?
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What rights do consumers have in relation to the debt they are being contacted about, and what must debt collectors do in response to consumer requests?
What rights do consumers have in relation to the debt they are being contacted about, and what must debt collectors do in response to consumer requests?
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Debt collectors must identify themselves as _________ in all communications with consumers. They must disclose that any information obtained will be used for debt collection purposes.
Debt collectors must identify themselves as _________ in all communications with consumers. They must disclose that any information obtained will be used for debt collection purposes.
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In what specific circumstances can debt collectors continue to contact a consumer after receiving a written request to cease communication?
In what specific circumstances can debt collectors continue to contact a consumer after receiving a written request to cease communication?
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When a consumer disputes a debt, whom must the debt collector report the dispute to if they have previously reported the debt?
When a consumer disputes a debt, whom must the debt collector report the dispute to if they have previously reported the debt?
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