Test for work

States that need permission to speak to spouse

AZ, CT, D.C, GA, HI, IL, IA, LA, MO, NY, OH, SC, VA

How much do violations cost?

$500-$1500

location information

- HOME ADDRESS; - TELEPHONE NUMBER; and - PLACE OF EMPLOYMENT

FDCPA (Fair Debt Collection Practices Act)

-does not cover original creditors, covers 3rd party collection agencies -creditors cannot threaten debtor or use physical force on debtor -cannot call debtors house at inconvenient hours; before 9am after 8pm -cannot show up inconvenient places Eliminates abusive practices

8 states you can't call

CO, CY, DE, ME, MD, RI, UT, WV

What does the TCPA do?

Regulates cellphones, fax machines, email and prerecorded voice calls

TCPA (Telephone Consumer Protection Act)

Rule prohibiting telephone solicitation calls to a residence before 8:00 am or after 9:00 pm, regulates telemarketing calls. It also is the authority to create the National Do-Not-Call List (found in 1991)

SRCA

Service members Civil Relief Act

Mini Miranda

This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose.

UDAAP

Unfair, Deceptive, or Abusive Acts or Practices

Communication

conveying of information regarding a debt directly or indirectly to any person through any medium

FTC (Federal Trade Commission)

prevents the unfair, false, or deceptive advertising of consumer products and services