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FDCPA Test Questions with Correct Answers
| Updated (100% Correct Answers)
In what year did the Fair Debt Collection Practices Act ("FDCPA")
become law?
a)1977
b)1990
c)2006 Answer: a)1977
The FDCPA applies to:
a) Debt collectors
b) Creditors
c) Both
d) Neither Answer: a) debt collectors
Debt collectors are prohibited from contacting debtors by which of
the following means?
a) Email
b) Fax
c) Postcard
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d) Social Media Messaging Answer: c) Postcard
The FDCPA is a strict construction statute, which means there is no
room for speculation or interpretation as to its terms. TRUE FALSE
Answer: TRUE
When is the earliest a debt collector may contact a debtor? a) 7:00
AM in the debtor's time zone 6) 8:00 AM in the debtor's time zone
c) 8:00 AM in the debt collector's time zone d) Anytime Answer: a)
6) 8:00 AM in the debtor's time zone
When is the latest a debt collect may contact a debtor? a) 5:00 PM
in the debtor's time zone ) 9:00 PM in the debtor's time zone 9:00
PM in the debt collector's time zone d) Anytime Answer: ) 9:00 PM
in the debtor's time zone
Can a debt collector contact a debtor at work? a) No, the FDCPA
covers personal debts, not work-related debts b) Yes, the debtor
can be called at work at any time V Yes, but only if the debtor has
not informed the debt collector that the debtor cannot receive calls
at work and the debtor's employer permits those types of calls d)
Yes, but only if the debtor's employer offered to pay some of the
debt Answer: Yes, but only if the debtor has not informed the debt
collector that the debtor cannot receive calls at work and the
debtor's employer permits those types of calls
© 2025 All rights reserved
FDCPA Test Questions with Correct Answers
| Updated (100% Correct Answers)
In what year did the Fair Debt Collection Practices Act ("FDCPA")
become law?
a)1977
b)1990
c)2006 Answer: a)1977
The FDCPA applies to:
a) Debt collectors
b) Creditors
c) Both
d) Neither Answer: a) debt collectors
Debt collectors are prohibited from contacting debtors by which of
the following means?
a) Email
b) Fax
c) Postcard
© 2025 All rights reserved
, 2
d) Social Media Messaging Answer: c) Postcard
The FDCPA is a strict construction statute, which means there is no
room for speculation or interpretation as to its terms. TRUE FALSE
Answer: TRUE
When is the earliest a debt collector may contact a debtor? a) 7:00
AM in the debtor's time zone 6) 8:00 AM in the debtor's time zone
c) 8:00 AM in the debt collector's time zone d) Anytime Answer: a)
6) 8:00 AM in the debtor's time zone
When is the latest a debt collect may contact a debtor? a) 5:00 PM
in the debtor's time zone ) 9:00 PM in the debtor's time zone 9:00
PM in the debt collector's time zone d) Anytime Answer: ) 9:00 PM
in the debtor's time zone
Can a debt collector contact a debtor at work? a) No, the FDCPA
covers personal debts, not work-related debts b) Yes, the debtor
can be called at work at any time V Yes, but only if the debtor has
not informed the debt collector that the debtor cannot receive calls
at work and the debtor's employer permits those types of calls d)
Yes, but only if the debtor's employer offered to pay some of the
debt Answer: Yes, but only if the debtor has not informed the debt
collector that the debtor cannot receive calls at work and the
debtor's employer permits those types of calls
© 2025 All rights reserved
