MISC
Who is an RPC?
The consumer (Right Party contact)
What is the VM disclosure (limited content message)
Hello, This is COLLECTOR (1st & last name) from Blitt & Gaines, PC. Please contact me or any one of our representatives at 1-888-920-0620.
What does FDCPA stand for?
Fair Debt Collections Practices Act
If debtor records call, what does Agent do?
End the call.
When can we make collections calls?
8am - 9pm their time zone. However, our dialers will prevent calls to EST at 4pm.
What is the hardship code?
HRD
How do you code a call with consumer (outbound/inbound)?
CALL SCREEN, CD/DC
Who can be sued?
The Agency and Collector
Which credit bureaus do we report to?
NONE
What code is needed w/ failed call attempt? # out of time zone.
CBT (Call Blocked Time Zone)
Can messages be left with 3rd parties?
Auto pay is set, can debtor decline PDK letter through a CDC?
Can you state D owes a debt to an unauthorized party?
NO
How do you code a Dispute?
DIS.
What code needs to be deleted after VM is returned?
111
Show me how to note a call with a PTP for $500
Call Screen, CD/DC, PTP
File is CDC, debtor leaves a VM, can you call back?
YES. As long as they're not represented. Ask f/u to remove CDC.
What is the complaint code and what needs to be included in the note?
CEC; all pertinent info (who, what, when) - recording has to be located.
How long of hold time is excessive?
Anything more than 90 seconds. Check back in.
How long can we let calls ring for?
minimum 3; up to 8 rings if leaving vm.
What is the Reg F disclosure?
Mr./Mrs. XX, is this a good # to reach you back at and am I authorized to contact you regarding this account over the next 7 days if needed?
NO; not for VAL, HRD, DIS, FRD or other holds. Holds MUST be removed first.
Name 3 FDCPA violations.
Harassment; profane language; calling before time zone permits; threatening violence; depositing checks too early; contacting D when represented; failing to identify yourself or whomever is on the call; being misleading about the debt; calling with a CDC coded
What is the AA/DSA VM disclosure?
Hello, this is a message for Atty/DSA. My name is (1st & last name) from Blitt & Gaines PC. I am calling regarding your client (consumer's full name). Please contact me upon receipt of this VM at 888-920-0620 and reference file # 12345678. I look forward to hearing from you.
If we cannot call POE, how do you code CLS?
CDC; drop down EMP