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Under the Fair Debt Collection Practices Act, which of the following need not be provided to the debtor within five days of the initial communication:

Select one:

a.

the amount of the debt

b.

a statement that unless the consumer disputes the validity of the debt within 30 days, it will be assumed valid

c.

the name of the creditor to whom the debt is owed

d.

the amount of the debt or a statement that unless the consumer disputes the validity of the debt within 30 days, it will be assumed valid

e.

all of the other specific choices must be provided

Question 58

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The FTC test for unfairness does not include which of the following elements, as applied to business practice?

Select one:

a.

it causes substantial harm to consumers

b.

consumers cannot reasonably avoid the injury

c.

the injury is harmful in its net effects

d.

it causes substantial harm to consumers and consumers cannot reasonably avoid the injury

e.

it causes substantial harm to consumers and consumers cannot reasonably avoid the injury and the injury is harmful in its net effects

Question 74

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The U.S. Sentencing Guidelines allow punishment for environmental crimes to be lessened if a company has a record of doing which of the following:

Select one:

a.

reporting on other polluters in the industry

b.

voluntarily reporting illegal actions

c.

donating money to environmental groups

d.

reporting on other polluters in the industry and voluntarily reporting illegal actions

e.

reporting on other polluters in the industry and voluntarily reporting illegal actions and donating money to environmental groups

Question 75

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In pollution cases involving strict liability for abnormally dangerous activities, courts have NOT found which of the following activities to be abnormally dangerous:

Select one:

a.

crop dusting

b.

leakage of chemicals into ground water

c.

storing of flammable liquids in quantity in a populated area

d.

emitting of steam gases by factories

e.

all of the other specific choices have been found to be abnormally dangerous by the courts

Explanation / Answer

57.

e. All the options must be provided ---As (Section 809) requires that the debtor must be notified of his right to dispute the debt , in part or in full-specifying the amount owed , . The 30-day "1692g" notice is mandated to be sent by debt collectors within five days of the initial communication with the debtor

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