What is NOT a requirement of debt collectors under the FDCPA?

Under the Fair Debt Collection Practices Act (FDCPA), debt collectors are not required to cease all communication if a debtor disputes a debt. Instead, the law requires debt collectors to acknowledge the dispute and provide verification of the debt upon request, but they can continue to communicate with the debtor regarding the debt itself. This means that while debtors have the right to dispute a debt and request further validation, debt collectors are still permitted to pursue collection efforts, including communicating about the debt, unless instructed otherwise by a court.

The other options represent requirements set forth by the FDCPA. Debt collectors must provide the amount owed and the identity of the creditor to inform the debtor about the debt accurately. Additionally, communicating via postcard is not generally allowed because it might disclose the debtor's private information to third parties, which is against the privacy provisions of the FDCPA. Lastly, legal requirements dictate that debt collectors must send a specific form of notice (often called a validation notice) to the debtor within five days of the initial communication, thus ensuring that debtors are aware of their rights associated with the debt.