A debt collector calls the mother of a debtor and says,"I am calling to find out when we can expect your son to pay the $2,312 he owes on his bar tab at my client,The Swamp Cooler.It has been six months and he has not made a payment." The debt collector:
A)has not violated the FDCPA because more than six months have passed since the last payment was made.
B)has not violated the FDCPA because notification of family members about the debt is not a breach of privacy under the act.
C)has violated the FDCPA.
D)has not violated the FDCPA because the debt collector has the creditor as a client.

Question

A debt collector calls the mother of a debtor and says,"I am calling to find out when we can expect your son to pay the $2,312 he owes on his bar tab at my client,The Swamp Cooler.It has been six months and he has not made a payment." The debt collector:​
A)​has not violated the FDCPA because more than six months have passed since the last payment was made.
B)​has not violated the FDCPA because notification of family members about the debt is not a breach of privacy under the act.
C)has violated the FDCPA.
D)has not violated the FDCPA because the debt collector has the creditor as a client.

Quizplus · Accepted Answer

The debt collector has violated the Fair Debt Collection Practices Act (FDCPA) by disclosing the debtor's debt to a third party (in this case, the debtor's mother). Under the FDCPA, debt collectors are not allowed to disclose information about a person's debt to anyone other than the debtor, their spouse, or their attorney.

A Debt Collector Calls the Mother of a Debtor and Says,"I