Page 39 - Book8E

Let’s Review__________________________________
Take the following True or False quiz to help you review some of the debt collection practices that are either permitted by law or illegal. Mark “T” if you think the statement is true, or “F” if you feel the state- ment is false. You’ll find the answers after the quiz.
1. ____ If you co-sign a loan, a debt collector is allowed to contact you if the person who asked you to co-sign does not pay the debt owed.
2. _____ A doctor or hospital may refer an overdue medical bill to a collection agency.
3. _____ Under the Fair Debt Collection Practices Act, individuals and class action plaintiffs are not allowed to sue collection agencies in federal or state court.
4. _____ According to HIPAA, only certain medical information, such as name and address, date of birth, Social Security number, pay- ment history, etc., can be disclosed to a collector or a credit reporting agency.
5. _____ A collection agency is permitted to call me at work, even if my employer doesn’t allow me to receive such calls.
6. _____ A debt collector is not allowed to have access to my credit report.
7. _____ A debt collector is allowed to report negative information on my credit report.
8. _____ If I get contacted by a collector looking for a former room- mate, neighbor, or relative of mine, it is only permissible to do so to learn the location of the debtor.
9. _____ If a debt collector knows my name and telephone number and could have contacted me directly, he or she is not allowed to contact my neighbors or family members about my debt.
Fair Debt Collection Practices Act 29