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Question
Shauna defaults on her car loan payment. The debt collector hired by the bank visits Shauna and verbally abuses her using offensive language. In this scenario, which of the following statements is true under the Fair Debt Collection Practices Act (FDPCA)?
A. The court cannot order the debt collector to pay Shauna any money as she has suffered no physical injury.
B. The court can order the debt collector to pay up to $1,000 for using obscene language.
C. The court can order the debt collector to pay up to $10,000 for having made a house visit.
D. The debt collector is not liable to Shauna, but the bank that hired the collector is liable to her.
E. The debt collector did not violate the FDPCA because the use of intimidation tactics by debt collectors for habitual offenders is legal.
Answer
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