The Fair Debt Collection Practices Act Restricts

question 372

Multiple Choice

The Fair Debt Collection Practices Act restricts:

• A) creditors attempting to sell credit card services
• B) to ten the number of times a debt collector may contact a consumer in a 60 day period when attempting to collect a debt
• C) the sale of consumer debt to debt collection agencies
• D) the use of 800 number phone lines by collection agencies
• E) none of the other choices

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Definitions:

Perceptual Distortion

The misinterpretation or misperception of a real external stimulus, often influenced by an individual's mental state or preconceptions.

Halo Effects

A cognitive bias where the perception of one positive trait leads to the assumption of other positive traits in an individual or thing.

Frames

Psychological perspectives or reference points that people use to understand and interpret situations, especially in the context of negotiations or decision-making.

Biases

Prejudices or predispositions toward or against something or someone, often resulting in unfair judgment or behavior.