Jim is in big trouble. He just graduated from business school and started a dot.

Question

Jim is in big trouble. He just graduated from business school and started a dot.com. Jim needed the finest clothes to impress the East Coast money establishment so he ran up a huge bill on his store credit card at a large department store. Jim's company was all set to launch his service where customers e-mail Jim when they need their driveway shoveled. His site, shovelyourwalkmister.com, wasn't a big hit and venture capitalists won't even log on to his site, much less return his calls. To make matters worse, the department store is trying to collect on its account and had been calling him at all hours of the night, following him around to social events, and even telling business associates (mostly kids hired to shovel driveways) that Jim is a deadbeat. Can Jim use the Fair Debt Collections Practices Act (FDCPA) to protect himself from the department store? a) No, the FDCPA only protects consumers who have declared bankruptcy b) Yes, the FDCPA limits abusive practices such as those used by the department store. c) No, the FDCPA only applies to third party collection agencies. d) Yes, but only if Jim has asked the department store to stop its abusive collection practices.

Explanation / Answer

B)Yes,the FDCPA limits abusive practices such as those used by the department store.

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