American Association of Family and Consumer Sciences (AAFCS) Practice Test

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Prepare for the American Association of Family and Consumer Sciences Test. Study with flashcards and multiple choice questions, each question includes hints and explanations. Get ready for your exam!

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Which of the following is a requirement of the Fair Debt Collection Practices Act?

Debt collectors must work seven days a week
Debt collectors can call consumers at any time
Debt collectors must avoid abusive or deceptive practices
Debt collectors must charge a service fee for collection

The correct answer is: Debt collectors must avoid abusive or deceptive practices

The Fair Debt Collection Practices Act (FDCPA) establishes guidelines to protect consumers from abusive, deceptive, and unfair debt collection practices. One of the key requirements is that debt collectors must avoid abusive or deceptive practices. This includes prohibiting harassment, threats, and false representations regarding the debt. The law aims to ensure that consumers are treated fairly and with respect during the debt collection process. Collectively, the provisions of the FDCPA are designed to foster ethical practices within the collection industry and maintain the integrity of the consumer’s rights. The emphasis on preventing abusive behavior is critical in creating a more equitable environment for consumers facing debt issues.