Which act is violated when a debt collector contacts a debtor’s parents without permission?

Enhance your business proficiency with the Peregrine Global Services Business Exam. Prepare using flashcards and multiple choice questions, complete with explanations and hints!

The crucial idea is that debt collectors must limit who they talk to about a debt and what they say. The Fair Debt Collection Practices Act governs how collectors may communicate with consumers and third parties. It allows a collector to contact a third party only to obtain location information about the debtor and prohibits discussing the debt or disclosing that they are collecting a debt with that third party. Therefore, reaching out to a debtor’s parents to discuss the debt without permission violates this law. The other acts address different areas (lending disclosures or credit reporting) and don’t regulate the specifics of debt-collection conversations with third parties in the same way.