Debt collectors who use a prohibited debt-collection tactic are exempt from liability if they can show that the debtor used misrepresentation in assuming the debt.

Question

Quizplus · Accepted Answer

This statement is false. Debt collectors are still liable for using prohibited debt-collection tactics even if the debtor used misrepresentation in assuming the debt. Debt collectors must follow the rules outlined in the Fair Debt Collection Practices Act (FDCPA) regardless of the circumstances of the debt.

Debt Collectors Who Use a Prohibited Debt-Collection Tactic Are Exempt