Which of the Following Acts by a Third-Party Collector Would

question 115

Multiple Choice

Which of the following acts by a third-party collector would be a violation of the FDCPA?

• A)sending the debtor a postcard that reads: "Don't let this bill affect your excellent credit rating"
• B)calling the debtor at home at 8:30 AM to confirm the debt
• C)referring the account to an attorney for a lawsuit
• D)filing suit without first contacting the debtor

---

Definitions:

Patent

A patent is a legal right granted to an inventor or assignee, providing exclusive ownership over an invention for a certain period, typically 20 years.

Legal Life

The duration for which legal protection is granted to an intangible asset, such as a patent or copyright.

Useful Life

Refers to the estimated duration an asset is expected to remain functional and useful for its intended purpose before it requires replacement.