Which of the following are included in unfair practices during debt practices?

May collect only amount legally owed
Postdated checks
May not solicit for purpose of instituting criminal action
May not deposit before date on check
If a check is postdated longer than 5 days, must notify consumer of deposit at least 3 days and no more than 10 days before depositing
May possibly communicate regarding a debt by postcard
May use any language or symbol other than collector's address on any envelope except debt collector may use business name if it does not indicate it is a debt collection business.

Answer(s): A,B

Validation of debt says:

Consumer must be sent debt validation in writing within five calendar days of initial communication unless information is contained in initial communication or unless consumer pays the debt
If consumer disputes a debt in writing within 60 days, all collection activity must stop until the debt is verified
If consumer disputes a debt in writing within 15 days, all collection activity must stop until the debt is verified
If a consumer owes multiple debts and makes any multiple payments, debt collector must apply to debt in accordance with the consumer's direction

Answer(s): A

Validation of debt says:

Consumer must be sent debt validation in writing within five calendar days of initial communication unless information is contained in initial communication or unless consumer pays the debt
If consumer disputes a debt in writing within 60 days, all collection activity must stop until the debt is verified
If consumer disputes a debt in writing within 15 days, all collection activity must stop until the debt is verified
If a consumer owes multiple debts and makes any multiple payments, debt collector must apply to debt in accordance with the consumer's direction

Answer(s): A

Validation of debt says:

Consumer must be sent debt validation in writing within five calendar days of initial communication unless information is contained in initial communication or unless consumer pays the debt
If consumer disputes a debt in writing within 60 days, all collection activity must stop until the debt is verified
If consumer disputes a debt in writing within 15 days, all collection activity must stop until the debt is verified
If a consumer owes multiple debts and makes any multiple payments, debt collector must apply to debt in accordance with the consumer's direction

Answer(s): A

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