Which of the following is NOT a provision under the Fair Debt Collection Practices Act?

All the options listed represent actions that are prohibited under the Fair Debt Collection Practices Act (FDCPA). Understanding the provisions of the FDCPA is essential for consumer debt specialists, as it helps ensure that debtors are treated fairly and given the protection they deserve.

The act specifically prohibits debt collectors from engaging in abusive practices, which includes using abusive language when contacting debtors. This is crucial because it aims to foster respectful communication and protect consumers from harassment.

Additionally, the FDCPA sets strict guidelines regarding the timing of communications. Debt collectors are not allowed to contact debtors at inconvenient times, such as before 8 AM or after 9 PM unless the debtor agrees to it. This provision is aimed at preventing disruption in the debtor’s life due to collection activities.

The frequency of calls is also regulated by the FDCPA. A debt collector cannot call a debtor more than a certain number of times within a week, which is a measure designed to prevent harassment through excessive communication.

Therefore, all the actions described—calling more than once a week, communicating at prohibited times, and using abusive language—are, in fact, prohibited under the Fair Debt Collection Practices Act, confirming that the correct understanding of the question is that none of those options reflect allowable practices.