Which of the following actions are prohibited by the Fair Debt Collection Practices Act?

• A. Harassment
• B. False statements
• C. Calling at unreasonable hours
• D. All of the above

Answer: (D)

The FDCPA targets abusive and deceptive debt-collection conduct, so it prohibits harassment, false or misleading statements, and contacting a consumer at inconvenient times. Harassment covers repeated or intrusive calls intended to annoy or abuse the debtor. False statements include misrepresenting the amount owed, threatening actions the collector can’t take, or mischaracterizing the legal consequences. Calling at unreasonable hours, typically times likely to be inconvenient to the consumer, is also disallowed. Since all of these behaviors are forbidden, the correct choice is all of the above.