Debt collectors acquiring location information from a third party:
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A. B. C. D.D
The answer to the question is (D) all of these.
The Fair Debt Collection Practices Act (FDCPA) is a federal law that regulates the behavior of debt collectors who attempt to collect debts on behalf of others. Under the FDCPA, if a debt collector is trying to collect a debt, they are allowed to contact third parties to obtain location information about the debtor, but there are certain rules they must follow.
Here are the explanations for each of the options provided in the question:
A. Must identify themselves and, if expressly asked, must identify their employer
If a debt collector contacts a third party to obtain location information about the debtor, they must identify themselves and, if expressly asked, must identify their employer. This is to ensure that the third party knows who is contacting them and why.
B. Must state that the call is to confirm or correct location information
If a debt collector contacts a third party to obtain location information about the debtor, they must state that the call is to confirm or correct location information. The debt collector is not allowed to disclose that they are trying to collect a debt or provide any information about the debt to the third party.
C. Once location information is received, may not communicate with the third party again unless the person asks the debt collector to or the debt collector reasonably believes the earlier response was erroneous or incomplete and that person now has correct or complete location information
Once the debt collector obtains the location information from the third party, they are not allowed to communicate with the third party again unless the person asks the debt collector to do so or the debt collector reasonably believes that the earlier response was erroneous or incomplete and that person now has correct or complete location information. This is to prevent the debt collector from harassing or embarrassing the third party.
In summary, debt collectors are allowed to obtain location information about a debtor from a third party, but they must follow specific rules to ensure that they do not violate the FDCPA. These rules include identifying themselves and their employer, stating that the call is to confirm or correct location information, and limiting communication with the third party once location information is obtained.