21: Identifying the Facts & Issues

Creditors __________ covered by the act unless they cause debtors to believe they are collection agencies.

are not

The Fair Debt Collection Practices Act attempts to prevent abuses by __________.

collection agencies

Specialized __________ and _________ who regularly attempt to collect debts on behalf of someone else are considered debt collectors under the FDCPA.

debt-collection agencies attorneys

If Debt Recovery was covered by the FDCPA, it could not legally contact the debtor at the debtor's place of employment if the _________ objects.

debtor's employer

Because of its behavior, Debt Recovery likely ________ violate the FDCPA.

did

Debt Recovery _________ do this activity.

did

Because of its behavior, Debt Recovery likely ___________ violate the FDCPA.

did not

Debt Recovery _________ contact the debtor at inconvenient or unusual times.

did not

Debt Recovery _________ contact the debtor at the debtor's place of employment if the debtor's employer objected.

did not

Debt Recovery _________ do this activity.

did not

Debt Recovery __________ contact anyone other than the debtor, the spouse, parents, employers, or financial advisers.

did not

Debt Recovery __________ do this activity.

did not

Debt Recovery ___________ communicate with debtors after receiving notice that the debtor refused to pay.

did not

Debt Recovery ___________ harass or intimidate the debtor using abusive language or threats.

did not

If Debt Recovery was covered by the FDCPA, it could not legally _________ or intimidate the debtor using _________ language or _________.

harass abusive threats

If Debt Recovery was covered by the FDCPA, it could not legally contact the debtor at __________ or unusual times.

inconvenient

If Debt Recovery was covered by the FDCPA, it could not legally contact the debtor's __________ about the payment of a debt without court authorization.

neighbor

Debt Recovery ________ set up as a debt-collection agency.

was

Debt Recovery _________ covered by the FDCPA.

was

Richardson _________ an attorney.

was

Under these facts, Debt Recovery _________ covered by the FDCPA

was