FREE FDCPA Basic Questions and Answers
A debt collector is allowed to use tactics that harass, oppress, or abuse a consumer or person in order to collect a debt.
Debt collectors are not allowed to use tactics that harass, oppress ,or abuse a consumer or person in order to collect a debt. The Fair Debt Collection Practices Act(FDCPA) prohibits debt collectors from engaging in unfair ,deceptive, or abusive practices.
They are required to treat consumers with respect and cannot use tactics that cause harassment of emotional distress.
Informing an unauthorized third party that a consumer owes a debt.
Informing an unauthorized third party that a consumer owes a debt is considered a violation of consumer rights and privacy. This action is typically prohibited under various consumer protection laws, such as the FDCPA in the US. Unauthorized disclosure of their debt information.
it is false and/or misleading to imply to a consumer that:
It is false and misleading to imply to a consumer that they may face arrest or imprisonment for not paying a debt. Debt collection practices should not involve threats or intimidation towards the consumer.
What is the definition of a "consumer"?
A consumer is someone who has a financial obligation to repay a debt .whether it is loan ,credit card debt, or any other form of financial liability.
This definition excludes other options such as person attempting to serve legal process an employee of a consumer reporting agency, or any person acting as a debt collector, as they do not necessarily have a debt obligation themselves.
What is the definition of a "creditor"?
A creditor can be an individual a financial institution, or any other entity that provides credit to a borrower, The key aspect of being a creditor is the involvement in the lending process, either by offering credit or by being owed a debt.