Which of the following is a provision of the Fair Debt Collection Protection Act (FDCPA)?

The Fair Debt Collection Practices Act (FDCPA) was enacted to protect consumers from abusive debt collection practices. One of its key provisions is the prohibition of any threats made by debt collectors. This means that debt collectors cannot use intimidation, coercion, or threats of violence, legal action, or any other form of duress to collect debts. This provision aims to create a fair and respectful environment for consumers, ensuring that they are treated with dignity and not subjected to aggressive or threatening behavior.

In contrast, contacting friends for debt collection, calling at unreasonable hours, and disclosing debts to third parties violate consumer rights and protections under the FDCPA. These practices are specifically limited or prohibited, reflecting the law's emphasis on protecting individuals from harassment and maintaining confidentiality in debt situations. Thus, the provision prohibiting threats stands out as a fundamental element of safeguarding consumer rights in the debt collection process.