I would like to know which one of these is a violation of the fdcpa?

a) Informing the Borrower that they are delinquent.
b) Verifying the borrowers social security number over the phone.
c) Informing the client that their home will be foreclosed.
d) Calling the customer at 10am at their home.

Seems rather simple, but I'm not to familiar with the FDCPA.

Thank you for your time...

The only one that comes close to a violation is b) and that's only if they do not believe they are talking with the borrower.

Fair Debt Collections Practices Act * you need to know it if you are attempting to collect a debt for YOURSELF or someone else.

Easy to Google and read it.

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Originally Posted by Trust1stmortgage

I would like to know which one of these is a violation of the fdcpa?

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Hello Trust:

Not one violates the law. Nary a one.

excon

Actually I think it is D, there is a time limit that you are allowed to call.

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Originally Posted by Fr_Chuck

actually I think it is D, there is a time limit that you are allowed to call.

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Chuck, calling at 10 in the morning is appropriate. Option D is calling at 10 am.

I believe it is B also, and I don't know diddly about FDCPA, but when verifying a SSN over the phone, you haven't a clue who is actually on the other line.

Federal law allows creditors to call between the hours of 8a.m.-9p.m. Any calls made after the federal requirements would be subject to a violation of the FDCPA... hope this helps

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Originally Posted by MTWJB

federal law allows creditors to call between the hours of 8a.m.-9p.m. Any calls made after the federal requirements would be subject to a violation of the FDCPA..... hope this helps

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However, if a debtor officially requests that all contacts be by mail they can no longer call at any time.