Download FDCPA Test| Rated A Questions and Verified Answers 100% Correct| A Grade 2024/ 2025 and more Exams Law in PDF only on Docsity!
FDCPA Test| Rated A Questions and Verified
Answers 100% Correct| A Grade (2024/ 2025
Update)
QUESTION
Professional collectors may... Answer: accept posted checks but may not deposit them prior to the date written on the check. (808)
QUESTION
True or False... If the customer asks the collector to not call him/her at work, the collector still is able to do so. Answer: False (805)[
QUESTION
When skiptracking the collector should not... Answer: use postcards. (804)
QUESTION
True or False... Collectors are allowed to post a list of customers in the window. Answer: False (806)]
QUESTION
True or False... Harassment is any act that makes a person feel harassed. Answer: True (804)\
QUESTION
The FDCPA is: a) federal debt collectors participants agreement b) a federal law governing the ethical collection of past due debts c) the federal government agency enforcing debt collection laws d) a trade association for credit and collection professionals Answer: B
QUESTION
A written refusal to pay a debt: a) requires no response by a debt collector b) requires a debt collector to communicate with a consumer in writing c)requires a debt collector to communicate with a consumer by telephone d)requires a debt collector to cease communicating with a consumer regarding the debt Answer: D
QUESTION
a debt collector can overshadow the validation period by: a) requesting payment in the first collection call b) offering a settlement that expires after the validation period expires c) demanding immediate payment during the validation period d) not offering a settlement
c) statutory damages of up to $1000 and attorney fees d) debt collectors cannot be sued under the FDCPA Answer: C
QUESTION
The Fair Debt Collection Practices Act is designed to: A) make debt collection more difficult B) allow consumers to discharge their past due debts C) handcuff debt collectors with onerous provisions D) eliminate abusive collection efforts Answer: D
QUESTION
A consumer's verbal request for a debt collector to cease communications: a) provides notice that the time of place of the communication might be inconvenient for the consumer b) has no impact on the debt collection effort c) has the same impact as a written cease communication d) has the same impact as a written refusal to pay Answer: A
QUESTION
When a consumer is represented by an attorney: a) a debt collector may communicate with the consumer or the attorney and obtain location information from a third party b) a debt collector may communicate with the attorney and attempt to obtain location information from third parties c) a debt collector may communicate with the attorney only d) a debt collector may cease all communication regarding the debt
Answer: C
QUESTION
True/False: a debt collector may tell a consumer he has committed a crime by failing to pay a debt Answer: False
QUESTION
True/False: a debt collector can overshadow the Validation period in collection calls, but not in collection letters Answer: False
QUESTION
True/False: when communicating with a consumer, a debt collector must identify themselves and disclose the purpose of the communication Answer: True
QUESTION
True/False: a debt collector can avoid FDCPA liability by having procedures in place to avoid FDCPA violations and errors Answer: True
Answer: Fair Debt Collection Practices Act
QUESTION
True or False... The FDCPA allows professional collectors to contact customers between 8 am and 9 pm local time for customers. Answer: True (805)!
QUESTION
True or False... The FDCPA takes precedence over any state laws governing debt collection. Answer: False (816)@
QUESTION
A professional debt collector may communicate to a customer that a judgement has been obtained and wages may be garnished, if: Answer: A judgement has been obtained and the agency's next action will be to execute it through garnishment. (807)
QUESTION
True or False... Under the FDCPA, individual collectors are permitted to use an alias if they use it constantly. Answer:
True (804)^
QUESTION
True or False... Professional debt collectors may ask a customer's neighbor to aide in the collection of debt. Answer: False (805)&
QUESTION
True or False: An agency can legally use the company's initials on the outside of envelopes when sending collection notices. Answer: True (804)*
QUESTION
If a debtor requests that the communication be stopped at the debtor's place of employment: Answer: A collector must immediately stop communication at this number. (806)
QUESTION
When can a professional collector contact a customer's employer? Answer: When skiptracking (805)
QUESTION
True or False...
True. (807)=
QUESTION
True or False... Professional collectors may refer to legal action as a collection possibility on all size accounts even if their agency policy is to sue only accounts larger than $250. Answer: False (807)~
QUESTION
Under what circumstances can collection agencies add interest to debt? Answer: If state law and the agreement allow for it. (808)
QUESTION
True or False... Continuous repeated phone calls to a customer are forms of harassment. Answer: True (803)_
QUESTION
True or False... Collectors are allowed to say anything on the phone. Answer: False (804) +
QUESTION
Harassment or abuse does not include... Answer: appealing to customer's since of pride. (806)
QUESTION
A validation is Answer: An explanation of what an agency must do if a debt is disputed. Required by FDCPA. Or a written statement of the customer's right to dispute a debt. (809)
QUESTION
True or False... A professional debt collector should not continue communicating with the customer when the collector knows the customer is represented by an attorney. Answer: True (805)#
QUESTION
True or False... A collection agency is allowed to refer to legal action only if the creditor actually intends to proceed with legal action on the account on which the professional debt is attempting collection. Answer: True (804)$
QUESTION
Location information is a customer's... Answer:
which of the following are right parties with whom can always discuss the debt? a) the consumer's parents b)the consumer's employer c) the consumer's accountant d) the executor of the estate of a deceased Answer: D
QUESTION
the FDCPA allows debt collectors to contact a consumer between what hours Answer: 8am- 9pm
QUESTION
a debt collector may not: a) use an alias when attempting to collect a debt b) use a post card to attempt to collect a debt c) disclose the debt to a consumer's attorney d) contact consumer during the validation period Answer: B
QUESTION
True/False: a debt collector may call a consumer as many times in a day as it takes to get a hold of the consumer so long as the debt collector does not leave a message Answer: False
QUESTION
True/ False: a debt collector may imply he is an attorney if the account will be forwarded to an attorney for collection Answer: false
QUESTION
True/False: a consumer can dispute the debt after validation period has expired Answer: true
QUESTION
True/False: an individual debt collector can be personally sued under the FDCPA Answer: True
QUESTION
When communicating with a consumer a debt collector: a) can be rude to a consumer if the consumer is rude first b) can demand immediate payment during the validation period c) can imply that the consumer will be sued if it will influence the consumer to pay d) can contact the consumer at work if it is not inconvenient for the consumer Answer: D
QUESTION
When communicating with the consumer, the debt collector must: a) disclose that the info is from a debt collector b) only communicate with the consumer once unless the debt collector believes the consumer has updated information
