Definitions
Talking with the Consumer
Harrassment or Abuse
Collection & Related Laws
FDCPA Misc.
100
The conveying of information regarding a debt directly or indirectly to any person through any medium.
What is "Communication"
100
Communicating with a consumer after 8 o'clock am and before 9 o'clock pm, local time at the consumer's location.
What is the acceptable time to communicate with the consumer?
100
The threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.
What is "Abuse"
100
SCRA
What is "Service members Civil Relief Act"
100
The FDCPA takes effect upon the expiration of six months after the date of its enactment.
What is March 20, 1978
200
Any natural person obligated or allegedly obligated to pay any debt.
Who is the "Consumer?"
200
When a collector knows that the consumer is represented by an attorney with respect to the debt.
Why do we "stop communicating with the consumer?"
200
The use of obscene or profane language
What is "Harassment"
200
FDCPA
What is "Fair Debt Collection Practices Act?"
200
This communication is from a debt collector and is an attempt to collect a debt and any information obtained will be used for that purpose.
What is the "Mini-Miranda?"
300
Any person who offers or extends credit creating a debt or to whom a debt is owed.
Who is the "Creditor?"
300
If you know that the consumer's employer prohibits the consumer from receiving personnal calls.
Why do we not call the POE?
300
The advertisement for sale of any debt to coerce payment of the debt.
What is "Abuse"?
300
UDAAP
What is the "Unfair, Deceptive, Abusive Acts, or Practices?"
300
If the debt collector reasonably believes that the earlier response of a 3rd party is erroneous or incomplete and that such person now has correct or complete location information or the 3rd party request a call back.
When can you contact a 3rd party more than once?
400
Any obligation or alleged obligation of a consumer to pay money arising out of a transaction
What is a "Debt?"
400
You may call this person after prior consent of the consumer is given directly to the debt collector.
When can you communicate with a third party?
400
Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously.
What is "Harassment?"
400
GLBA
What is the "Gramm Leach Bliley Act?"
400
This goverment entity reports to the Congress every year concerning the ADMINISTRATION OF ITS FUNCTIONS under this title, including such recommendations.
What is The Federal Trade Commission
500
Any person who uses any instrumentality of interstate commerce or the mails the principal purpose of which is the collection of any debts.
What is a "Debt Collector?"
500
The attorney fails to respond within a reasonable period of time to the communication from the debt collector.
When can we communicate with the consumer after we have been notified that he/she is represented by an attorney?"
500
The publication of a list of consumers who allegedly refuse to pay debts.
What is "Abuse"?
500
FCRA
What is the "Fair Credit Reporting Act?"
500
Any debt collector who fails to comply with any provision of this title is liable to such person in an amount equal to the sum of any actual damage sustained, such additional damages as the court may allow, but not exceeding $1,000; or in the case of a class action not to exceed the lesser of $500,000 or 1 per centum of the net worth of the debt collector
What is the Debt Collectors Liability
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