The Fair Debt Collection Practices Act Requires a Debt Collector

question 71

Multiple Choice

The Fair Debt Collection Practices Act requires a debt collector to provide the consumer with a written notice.What information must be contained in this notice?

• A) The name and phone number of the current creditor and former creditor.
• B) The amount of the debt, with interest and penalties clearly delineated.
• C) A copy of the original credit contract with the original creditor.
• D) A statement telling the consumer that he can request verification of the alleged debt.

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Definitions:

Mens Rea

A legal principle that refers to the mental state a person must be in while committing a crime for it to be intentional.

Prison Sentence

The period of time a person is legally required to spend in prison as punishment for committing a crime.

Public Defender

A lawyer appointed by the court to represent defendants who cannot afford to hire a private attorney in criminal cases.

Deemed Reasonable

Considered or judged to be fair, appropriate, or within acceptable limits according to prevailing standards or circumstances.