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Question
E. Z. Pickens owes a past-due consumer debt of $1,335 to the Needless Markup Department Store. Needless Markup retained Relentless Collection Agency, Inc. (RCA) to collect the debt. RCA employees were unable to locate Pickens so they asked his friends and his brother (Slim) about his whereabouts. When Pickens still had not been found, an RCA employee contacted Pickens's employer and asked how to locate him. Eventually, as a result of these inquiries, an RCA employee made contact with Pickens. Pickens contends that RCA violated the Fair Debt Collection Practices Act. Is he correct?
A. Yes, because the FDCPA prohibits debt collectors from trying to locate a debtor without the debtor's prior written permission to do so.
B. Yes, because the FDCPA prohibits debt collectors from contacting the debtor's employer.
C. No, because the FDCPA applies only when a creditor is collecting a debt; it does not apply to agencies that collect debts on behalf of creditors.
D. No, because the FDCPA allows debt collectors to contact the debtor's friends, relatives, or employer if such contacts are necessary to locate a debtor.
Answer
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