QT Collection Agency calls Rob several times a day, and sometimes in the middle of the night, about an overdue bill that Standard Credit Company turned over to QT for collection. This is a violation of
A) no federal law.
B) the Fair and Accurate Credit Transactions Act.
C) the Fair Debt Collection Practices Act.
D) the Truth-in-Lending Act.

Question

QT Collection Agency calls Rob several times a day, and sometimes in the middle of the night, about an overdue bill that Standard Credit Company turned over to QT for collection. This is a violation of​
A) ​no federal law.
B) ​the Fair and Accurate Credit Transactions Act.
C) ​the Fair Debt Collection Practices Act.
D) ​the Truth-in-Lending Act.

Quizplus · Accepted Answer

The Fair Debt Collection Practices Act (FDCPA) governs debt collection practices and prohibits debt collectors from calling debtors at unreasonable times or harassing them with repeated or continuous calls. The behavior described in the scenario violates the FDCPA.

QT Collection Agency Calls Rob Several Times a Day, and Sometimes