The available options are:
A. Amelia, a business creditor attempting to collect her own debt from Bednar, a private party customer who had fallen six-months behind on payments to Amelia.
B. Mees, the owner of a debt collection agency, who is attempting to collect a debt as an agent of Big Corporation.
C. Nichole, a business creditor attempting to collect her own debt from Jared Incorporated, a business debtor that had fallen one-year behind on payments to Nichole.
D. The restrictions of the FDCPA would apply to Amelia the business creditor, Nichole the business creditor and Mees, the debt collection agent.
Answer:
B. Mees, the owner of a debt collection agency, who is attempting to collect a debt as an agent of Big Corporation.
Explanation:
The restrictions of the fair debt collection practice act apply only to the "DEBT COLLECTORS who obtain an account for a collection of debt that belongs to another company."
This is defined by the Federal Trade Commission (FTC) under the Fair Debt Collection Practices Act, Section 803, subchapter 6. The term DEBT COLLECTOR is carefully defined in six categories, and it does not involve business creditors attempting to collect their debt by themselves, the closest is their employees attempting to collect the debt on their behalf.
Hence, considering the available options, the correct answer is "Mees, the owner of a debt collection agency, who is attempting to collect a debt as an agent of Big Corporation."
