FDCPA for Collectors – Post Test Study Guide and
Practice Questions
The FDCPA only covers consumer debts that are in default. True or False - correct answer ✔✔
False
Collection activities on a portfolio of accounts that includes charge-offs purchased from another
creditor, as well as late delinquency accounts owed to your own employer are governed by the
FDCPA. True or False - correct answer ✔✔ True
A validation notice must include the following: - correct answer ✔✔ The amount of the debt
owed and the name of the creditor to whom the debt is owed.
One acceptable form of validation or verification of debt is a court order of: - correct answer
✔✔ Judgment
It is legal and appropriate to tell a debtor, within the first moth after placement of the debt for
collection, that the balance of the account is due "immediately. True or False - correct answer
✔✔ False
The Mini-Miranda applies only to the first written communication from a debt collector to a
consumer. True or False - correct answer ✔✔ False
If a consumer asks you in writing to cease communication, you are prohibited from contacting
the debtor again. - correct answer ✔✔ False
After you receive a written request to cease communication, you may still contact a debtor to
advise him or her of collection action you plan to take in the ordinary course of business. -
correct answer ✔✔ True
Practice Questions
The FDCPA only covers consumer debts that are in default. True or False - correct answer ✔✔
False
Collection activities on a portfolio of accounts that includes charge-offs purchased from another
creditor, as well as late delinquency accounts owed to your own employer are governed by the
FDCPA. True or False - correct answer ✔✔ True
A validation notice must include the following: - correct answer ✔✔ The amount of the debt
owed and the name of the creditor to whom the debt is owed.
One acceptable form of validation or verification of debt is a court order of: - correct answer
✔✔ Judgment
It is legal and appropriate to tell a debtor, within the first moth after placement of the debt for
collection, that the balance of the account is due "immediately. True or False - correct answer
✔✔ False
The Mini-Miranda applies only to the first written communication from a debt collector to a
consumer. True or False - correct answer ✔✔ False
If a consumer asks you in writing to cease communication, you are prohibited from contacting
the debtor again. - correct answer ✔✔ False
After you receive a written request to cease communication, you may still contact a debtor to
advise him or her of collection action you plan to take in the ordinary course of business. -
correct answer ✔✔ True
