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Bill and Account Collector

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JOB OUTLOOK

Stable

Real-Life Activities

Real-Life Communication -- Solution

If you look at part A of the definitions section, the FDCPA probably does not apply to you because you are an employee of the creditor, ABC Chocolate Factory. If you wanted to follow FDCPA guidelines anyway, according to part 1 of the communications section, you shouldn't call until after 8 a.m.

However, because Mrs. Smith is represented by an attorney, you should deal directly with that attorney unless he or she has given you permission to contact Mrs. Smith directly. Other circumstances and laws may affect your decisions.

Check with your employer before proceeding if you are not sure of your legal obligations. If you run your own agency, you may need to consult an attorney.


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OCAP believes that financial literacy and understanding the financial aid process are critical aspects of college planning and student success. OCAP staff who work with students, parents, educators and community partners in the areas of personal finance education, state and federal financial aid, and student loan management do not provide financial, investment, legal, and/or tax advice. This website and all information provided is for general educational purposes only, and is not intended to be construed as financial, investment, legal, and/or tax advice.