FDCPA Communication Rules and Restrictions 2

Question 1

A debt collector sends a collection letter to a consumer's workplace. The envelope says 'DEBT COLLECTION NOTICE.' Is this a violation?

Accepted Answer

Yes, because it discloses to a third party that a debt is owed

Answer

No, because the envelope must identify the sender

Answer

No, because employers have a right to know about debts

Answer

Yes, but only if the employer opens the letter

Question 2

How many days does a debt collector have to respond after a consumer invokes their right to cease communication?

Accepted Answer

Immediately upon receipt of the notice

Answer

Within 5 business days

Answer

Within 30 days

Answer

Within 10 business days

Question 3

Which medium of communication is NOT specifically regulated by the FDCPA's original text regarding time and place restrictions?

Accepted Answer

Text messages

Answer

Telephone calls

Answer

In-person visits

Answer

Written letters

Question 4

Under Regulation F (CFPB's FDCPA rules), how many calls may a debt collector make to a consumer about a specific debt within a 7-day period?

Accepted Answer

No more than 7

Answer

No more than 3

Answer

No more than 5

Answer

No limit if calls are spaced out

Question 5

A debt collector leaves a voicemail for a consumer. Which statement must be included?

Accepted Answer

That the call is from a debt collector

Answer

The total amount of the debt

Answer

The name of the original creditor

Answer

The collector's license number

Question 6

If a consumer's telephone number is unlisted, may a debt collector obtain it from a neighbor?

Accepted Answer

No, third-party location information must only be used to locate the consumer, not to obtain personal data indirectly

Answer

Yes, as long as the neighbor is not paid for the information

Answer

Yes, neighbors are considered public sources

Answer

No, collectors may only use skip-tracing services