FDCPA 2026/2027 QUESTIONS AND SOLUTIONS RATED
A+
✔✔A debt collector may not:
A. Use a post card to attempt to collect a debt.
B. Contact the consumer during the validation period.
C. Disclose the debt to a consumer's attorney. - ✔✔A. Use a post card to attempt to
collect a debt.
✔✔When communicating with a consumer, a debt collector:
A. Can contact the consumer at work if it is not inconvenient for the consumer.
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 be rude to a consumer if the consumer is rude first. - ✔✔A. Can contact the
consumer at work if it is not inconvenient for the consumer.
✔✔Recite the Mini Miranda.
(exclude the monitored/recorded disclosure) - ✔✔This communication is from a debt
collector. This is an attempt to collect a debt. Any information obtained will be used for
that purpose.
✔✔When can the agency continue collection efforts after the debt has been disputed?
a. After 30 days
b. When the creditor advises it is ok to call again
c. Once verification of the debt has been sent to the debtor
d. You never have to stop collection efforts - ✔✔c. Once verification of the debt has
been sent to the debtor
✔✔When can the debt collector claim an amount more than actually owed?
a. When you feel it would give you leverage
b. When you are going to sue and think the amount will be more
c. When the contract states you can add fees
d. Never - ✔✔d. Never
✔✔What must you do when you take a post dated check?
a. Send a reminder letter 3 to 10 days prior to posting item
b. Honor the amount of the check
c. Honor the date of the check
A+
✔✔A debt collector may not:
A. Use a post card to attempt to collect a debt.
B. Contact the consumer during the validation period.
C. Disclose the debt to a consumer's attorney. - ✔✔A. Use a post card to attempt to
collect a debt.
✔✔When communicating with a consumer, a debt collector:
A. Can contact the consumer at work if it is not inconvenient for the consumer.
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 be rude to a consumer if the consumer is rude first. - ✔✔A. Can contact the
consumer at work if it is not inconvenient for the consumer.
✔✔Recite the Mini Miranda.
(exclude the monitored/recorded disclosure) - ✔✔This communication is from a debt
collector. This is an attempt to collect a debt. Any information obtained will be used for
that purpose.
✔✔When can the agency continue collection efforts after the debt has been disputed?
a. After 30 days
b. When the creditor advises it is ok to call again
c. Once verification of the debt has been sent to the debtor
d. You never have to stop collection efforts - ✔✔c. Once verification of the debt has
been sent to the debtor
✔✔When can the debt collector claim an amount more than actually owed?
a. When you feel it would give you leverage
b. When you are going to sue and think the amount will be more
c. When the contract states you can add fees
d. Never - ✔✔d. Never
✔✔What must you do when you take a post dated check?
a. Send a reminder letter 3 to 10 days prior to posting item
b. Honor the amount of the check
c. Honor the date of the check
