She received a call and talked to a collection attorney saying that she owes $$2,000$ for appliances that she purchased last year, on a $$no payment, interest free for one year$$ contract. The attorney said that she has not made a payment after the promotion period expired, and she will also be responsible for late fees, interest at $12\%$ and legal fees, and that the whole balance is due in full because she is in default. The collection attorney has called $3$ times a day between the hours of $8$ am and $9$ pm for $10$ days. The creditor reported the lateness to all three of the credit reporting agencies after she was $30$ days late.

$1.$ Is the collection attorney covered by the FDCPA? Why?

$2.$ Based on the facts, what violation of the FDCPA if any, has occurred? Explain.

$3.$ Under the FDCPA, what are three rights that she can assert based on the given facts?

$($a$)$

$($b$)$

$($c$)$

$4.$ Were her rights violated when the creditor reported the lateness to the $3$ credit reporting agencies?

$5.$ What is the maximum amount of wages per pay check per week that can be garnished based on federal minimum wage laws and rules?

$6.$ What amounts of statutorily exempt funds are protected once they have been directly deposited into a consumer$$s account?

$7.$ Under what circumstances may the credit reporting agencies report a court judgment?

$8.$ When will a creditor $$charge$-$off$$ a debt, and why?