Question

Which of the following was the result on appeal in Crawford v. LVNV Funding. LLC., the case in the textbook involving whether the Fair Debt Collection Practices Act disallows the attempt to collect a debt when the claim is time-barred?

Multiple Choice

• The Eleventh Circuit Court of Appeals ruled that the Fair Debt Collection Practices Act disallows the attempt to collect a debt when the claim is time-barred using the “reasonable consumer” standard.

• The Eleventh Circuit Court of Appeals ruled that the Fair Debt Collection Practices Act allows the attempt to collect a debt when the claim in time-barred using the “least-sophisticated consumer” standard.

• The Eleventh Circuit Court of Appeals ruled that the Fair Debt Collection Practices Act disallows the attempt to collect a debt when the claim is time-barred using the “least-sophisticated consumer” standard.

• The Eleventh Circuit Court of Appeals ruled that the Fair Debt Collection Practices Act allows the attempt to collect a debt when the claim is time-barred using the “reasonable consumer” standard.

• The Eleventh Circuit Court of Appeals dismissed the appeal due to the appeal having not been timely filed.

Which of the following debt collection practices is/are prohibited by the Fair Debt Collection Practices Act?

Multiple Choice

• Contacting a debtor at work if the debtor's employer objects

• Misrepresenting the collection agency as a lawyer or police officer

• Contacting a debtor before 8 a.m. or after 9 p.m.

• Contacting a debtor at work if the debtor's employer objects, misrepresenting the collection agency as a lawyer or police officer, and contacting a debtor before 8 a.m. or after 9 p.m.

• Contacting a debtor at work if the debtor's employer objects and misrepresenting the collection agency as a lawyer or police officer are prohibited, but not contacting a debtor before 8 a.m. or after 9 p.m.

Answer 1

Answer: 1: The Eleventh Circuit Court of Appeals ruled that the Fair Debt Collection Practices Act allows the attempt to collect a debt when the claim in time-barred using the “least-sophisticated consumer” standard.

According to the act the court used least sophisticated consumer standard for consumer/ debtor

Answer: 2: Contacting a debtor at work if the debtor's employer objects, misrepresenting the collection agency as a lawyer or police officer, and contacting a debtor before 8 a.m. or after 9 p.m.

As per the act the debtor should be contacted between 8 a.m to 9 p.m and should not be contacted at their work place if the employer objects