Question

1. according to the fair debt collection practices act, a debt buyer is allowed to...

a. contact your family members
b. threaten you with arrest
c. call you multiple times per day
d. call you in the middle of the night

Explanation:

The Fair Debt Collection Practices Act (FDCPA) restricts debt collectors from engaging in harassing or abusive practices. Threatening with arrest (b), calling in the middle of the night (d), and contacting family members in a harassing way are prohibited. However, calling multiple times per day is not explicitly prohibited in the same way as the other options (though excessive calling could be considered harassment, but among these options, c is the most "allowed" in a relative sense as the others are clearly prohibited). Wait, no—actually, the FDCPA limits contact frequency to avoid harassment, but the other options (a, b, d) are clearly prohibited. Wait, no: contacting family members to get location info of the debtor is allowed if done properly, but threatening (b) is illegal, calling at unreasonable hours (d, like midnight) is illegal, and excessive calling (c) can be harassment. But the question is which is "allowed". Wait, maybe the intended answer is c? Wait, no—let's recheck. The FDCPA prohibits: contacting at unusual times (like midnight, d), threatening arrest (b), and contacting third parties (family) in a way that's harassing. But the options: a is contacting family (prohibited if harassing), b is threat (prohibited), d is calling at night (prohibited). c: calling multiple times per day—while excessive calling is harassment, but the other options are clearly prohibited. So among the options, c is the one that's the least prohibited, or maybe the question has a mistake, but the intended answer is likely c? Wait, no, maybe I got it wrong. Wait, the FDCPA says debt collectors can call, but can't call at unreasonable hours (like between 9 pm and 8 am, so d is prohibited), can't threaten arrest (b is prohibited), can't contact family to harass. So the only one that's "allowed" in the sense that the others are clearly prohibited is c? Wait, no, maybe the answer is a? No, contacting family is allowed only to get the debtor's location, not to discuss the debt. Hmm. Maybe the question is flawed, but based on the options, the correct answer is c? Wait, no, let's think again. The FDCPA prohibits:

• Threats of arrest (b) – illegal.

• Calling at unreasonable hours (d) – illegal (e.g., before 8 am or after 9 pm).

• Contacting family members (a) – prohibited if done to harass or discuss the debt (they can contact to get the debtor's contact info, but not to discuss the debt).

• Calling multiple times per day: while excessive calling is harassment, but the other options are clearly prohibited. So among the options, c is the one that's the most "allowed" as the others are clearly prohibited. So the answer is c.

Answer:

c. Call you multiple times per day