Fair Debt Collection Practices Act - Housing Related Claims

Question 1

Who is in charge of consumer debt (presenter)?

Answer 1

Tashi Lhewa

Question 2

Prohibited Acts:

1. Prohibited Communications
   - Calling before 8 am or after 9 pm.
2. Harassment and Abuse
3. False, Deceptive or Misleading Representations
   - Objective test (least sophisticated consumer would consider misleading)
   - Only material representations are actionable
   - “Deceptive” means open to more than one reasonable interpretation, at least one of which is inaccurate - Cannot mischaracterize the amount of legal status of debt
4. Unfair or Unconscionable Debts

Answer 2

FREB75