AM / FM Stereo w / CD / Navigation / XM Satellite, Select Edition Marketing Promotion Vehicle, 7 Speakers, AM / FM radio: XM, Cassette, CD player, ETR AM / FM Stereo w / CD / XM Satellite Radio, Radio data system, Rear audio controls, Weather band radio, Air Conditioning, Automatic temperature control, Front dual zone A / C, Rear window defroster, HomeLink Wireless Control System, Memory seat, Pedal memory, Power driver seat, Power steering, Power windows, Remote keyless entry, Steering wheel mounted audio controls, Adaptive suspension,Auto - leveling suspension, Traction control,4 - Wheel Disc Brakes, ABS brakes, Dual front impact airbags, Dual front side impact airbags, Emergency communication system, Front anti-roll bar, Front wheel
independent suspension, Low tire pressure warning, Occupant sensing airbag, Rear anti-roll bar, Power Tilt - Sliding Electric Sunroof w / Express - Open, Electronic Stability Control, Rear Parking Sensors,Delay - off headlights, Front fog lights, Fully automatic headlights, High intensity discharge headlights: Xenon, Panic alarm, Security system, Speed control, Block heater,Auto - dimming door mirrors, Bumpers: body - color, Heated door mirrors, Power door mirrors, Roof rack, Turn signal indicator mirrors, Adjustable pedals,Auto - dimming Rear - View mirror, Compass, Deluxe Overhead Console, Driver door bin, Driver vanity mirror, Front
reading lights, Garage door transmitter: HomeLink, Illuminated entry, Leather Shift Knob, Leather steering wheel, Outside temperature display, Overhead console, Passenger seat mounted armrest, Passenger vanity mirror, Rear
reading lights, Rear seat center armrest, Tachometer, Tilt steering wheel, Trip computer, Voltmeter, Driver's Seat Mounted Armrest, Front Bucket Seats, Front Power Reclining Full - Feature Bucket Seats, Heated front seats, Nuance Leather Seating Surfaces, Power passenger seat, Split folding rear seat, Passenger door bin, 17» x 7.5» 7 - Spoke Chrome Aluminum Wheels, Variably intermittent wipers, 3.73 Rear Axle Ratio, ** LUXURY
COLLECTION **, ** CLEAN CARFAX **, ** AWD **, ** KEYLESS GO **
ICFE DCCS ®
Independent Study Guide Table of Contents Consumer Financial Protection Bureau to oversee debt collectors
Collection agencies and junk debt buyers - Mini-Miranda What to do if a debtor is contacted about past debts Sample cease and desist letter Fair Debt
Collection Practices Act Summary from the CFPB Debt that is covered Debt Collectors that are covered Debt Collectors that are NOT covered Debt
Collection for Active and Veteran Military Personnel Communications connected with debt
collection When, where and with who communications is permitted Ceasing Communication with the consumer Communicating with third parties Validation of debts Prohibited Practices: Harassing or abusive Practices False or misleading representations Unfair Practices Multiple debts Legal Actions by debt collectors Furnishing certain deceptive forms Civil liability Defenses CFPB / FTC staff's commentary on the FDCPA Common debt collector violations How to document a collector's abusive behavior What to do if a collector breaks the law How collectors are trained - examples of collector training courses FDCPA Sample Exam from ACA for Collectors How collectors are using Social Medias in
collections Dealing with creditors and third party collectors Other factors for a debtor in
collection: Credit reports and scores Reviewing credit reports with debtors - Permissible uses Rules about credit decisions and notices Debtor education about credit reports and FICO scores Specialty Report Providers Rules to protect consumers in credit card debt How to
read and understand credit reports How to make changes or dispute accuracy Freezing Credit Files FCRA / FACTA Provisions of ID Theft victims How credit scoring works The Credit Card Accountability and Disclosure Act Credit Rules CFPB rules establish strong protections for homeowners facing foreclosure Other Resources