Who Started It
Legal Ease
Consumer Rights
Be Nice
Definitions
100
The full name of FDCPA
Fair Debt Collection Practices Act
100
Who would a conusmer contact in case of FDCPA violation
What the Attorney General's office or Federal Trade Commission
100
Proper hours for phone contact under FDCPA.
What is 8:00 a.m. to 9:00 p.m. local time
100
The use obscene, profane, or abusive language, or to call repeatedly or continuously
What is harassment
100
Any natural person obligated or allegedly obligated to pay any debt.
What is a consumer
200
FDCPA was proposed by this government entity to safeguard the interests of the consumers in the event that they are harassed by collection agencies.
What is Congress
200
The FDCPA lays the ground for the legal action that can be taken against who
What is The collection agencies
200
A debt collector violates the FDCPA by continuing to make contact at this location after having been advised that this is unacceptable or prohibited by the employer.
What is communicating with consumers at their place of employment
200
If a consumer sends a written dispute or request for verification within 30 days of receiving the notice, then the debt collector must either mail the consumer the requested verification information or cease collection efforts altogether.
What is provide verification of the debt
200
Anyone who collects the consumer debts of others in the regular course of business.
What is a debt collector
300
This entity which has the authority to administratively enforce the FDCPA.
What is The Federal Trade Commission
300
You can sue a debt collector within what time frame from the time he violated FDCPA rules.
What is one year
300
To misrepresent the amount that is owed or to add on any extra fees that the original credit or loan agreement does not allow.
What is seeking unjustified amounts which is a violation of the FDCPA
300
The 30-day notice is required to be sent by debt collectors within five days of the initial communication with the consumer. The consumer's receipt of this notice starts the clock running on the 30-day right to demand verification of the debt from the debt collector.
What is the required notice informing consumer of the right to dispute the debt
300
“any obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment.”
What is a consumer debt
400
If it is found that a debt collector has violated FDCPA (Fair Debt Collection Practices Act) norms, you have every right to legally penalize the debt collector in which venue.
What is State Court or Federal Court
400
Using deception to collect the debt, including a debt collector stating that he or she is an attorny or law enforcement officer.
What is Misrepresentation or Deceit which is a violation of the FDCPA
400
Upon the consumer's written request made within 30 days of receipt of the notice; the debt collector is required to.
What is Give the name and address of the original creditor
400
Forbiding certain types of "abusive and deceptive" conduct when attempting to collect debts.
What is prohibited conduct
500
The FTC received 108,997 FDCPA complaints in 2010, representing 21% of all complaints it received directly from consumers. By comparison, in 2009, the FTC received 88,326 FDCPA complaints, representing 16.8% of the complaints it received directly from consumers.
What is rise in FDCPA Complaints spurred by a cottage industry of suing on FDCPA violations
500
This commission was authorized to issue Cease and Desist orders to large corporations to curb unfair trade practices.
What is The Federal Trade Commisions Act
500
Communicating with consumers in any way (other than litigation after receiving written notice that states consumer wishes no further communication or refuses to the pay the alleged debt.
What is failure to cease communication upon request which is a violation of the FDCPA
500
A debt collector may file a lawsuit, if at all, only in a place where the consumer lives or signed the contract.
What is the proper venue for actions against Debtor under FDCPA
500
A Federal Law meant for the protection of consumers. It encompasses a set of rules governing the activities of collection agencies. The Law also defines the type of information a debt collector is entitled to collect from the debtors.
What is The Fair Debt Collection Practices Act
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