FDCPA – Study Guide for Fair Debt Collection Practices
Act
Your agency has received a creditor client complaint. Which of the following most likely
occurred? - correct answer ✔✔ The complaint was filed by a client through their own
investigation or information received from a consumer.
Your agency has received a Better Business Bureau Complaint. Which of the following most
likely occurred? - correct answer ✔✔ The complaint was filed by a consumer.
The FDCPA allows debt collectors to contact a consumer: - correct answer ✔✔ Between 8:00
a.m. and 9:00 pm. in the consumer's time zone.
In order to avoid a lawsuit, which of the following is the best approach to take? - correct answer
✔✔ Know your client.
You reach a consumer's co-worker. What should you say? - correct answer ✔✔ Ask the co-
worker if he can verify the consumer is still employed there, home phone number and home
address.
A consumer's friend asks, "Who are you and what is this about?"What should you say? - correct
answer ✔✔ Say the name of your company and, "I'm calling about a personal business matter.
Do you
know when he will be home?"
You talk to a consumer's aunt who gave you a number to reach the consumer. After calling the
number you find out that the consumer no longer lives there. What should you do? - correct
answer ✔✔ Contact the aunt a second time to see if she can update or correct the consumer's
account
Act
Your agency has received a creditor client complaint. Which of the following most likely
occurred? - correct answer ✔✔ The complaint was filed by a client through their own
investigation or information received from a consumer.
Your agency has received a Better Business Bureau Complaint. Which of the following most
likely occurred? - correct answer ✔✔ The complaint was filed by a consumer.
The FDCPA allows debt collectors to contact a consumer: - correct answer ✔✔ Between 8:00
a.m. and 9:00 pm. in the consumer's time zone.
In order to avoid a lawsuit, which of the following is the best approach to take? - correct answer
✔✔ Know your client.
You reach a consumer's co-worker. What should you say? - correct answer ✔✔ Ask the co-
worker if he can verify the consumer is still employed there, home phone number and home
address.
A consumer's friend asks, "Who are you and what is this about?"What should you say? - correct
answer ✔✔ Say the name of your company and, "I'm calling about a personal business matter.
Do you
know when he will be home?"
You talk to a consumer's aunt who gave you a number to reach the consumer. After calling the
number you find out that the consumer no longer lives there. What should you do? - correct
answer ✔✔ Contact the aunt a second time to see if she can update or correct the consumer's
account
