FDCPA COMPREHENSIVE EXAM 2026/2027 QUESTIONS
AND SOLUTIONS RATED A+
✔✔T/F: A debt collector may imply he is an attorney if the account will be forwarded to
an attorney for collection. - ✔✔FALSE
✔✔T/F: You 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. - ✔✔FALSE
✔✔T/F: A consumer can dispute the debt after the Validation Period has expired. -
✔✔TRUE
✔✔T/F: An individual debt collector can be personally sued under the FDCPA -
✔✔TRUE
✔✔T/F: A debt collector does not violate the FDCPA by belittling or embarrassing the
consumer. - ✔✔FALSE
✔✔T/F: A debt collector may tell a consumer he has committed a crime by failing to pay
the debt - ✔✔FALSE
✔✔T/F: A debt collector is never allowed to overshadow the validation period in
collection lettersor collection calls. - ✔✔TRUE
✔✔ What is the definition of a consumer?
a. A person who offers or extends credit
b. A person who is obligated or allegedly obligated to pay a debt
c. A person who collects debt - ✔✔b. A person who is obligated or allegedly obligated to
pay a debt
✔✔Which of the below is not considered a 3rd party?
a. The consumer's attorney
b. The neighbor of the consumer
c. Answering machine
d. The mother of the consumer - ✔✔a. The consumer's attorney
✔✔Define the term "Creditor":
a. A person who is obligated or allegedly obligated to pay a debt
b. A person who collects debt
, c. A person who offers or extends credit - ✔✔c. A person who offers or extends credit
✔✔Define the term "Debt Collector":
a. A person who offers or extends credit
b. A person who is obligated or allegedly obligated to pay a debt
c. A person who collects debt - ✔✔c. A person who collects debt
✔✔Which of the below is not defined as communication per the FDCPA?
a. The initial demand letter
b. A voicemail message
c. Contact with the consumer at their place of employment
d. All of them are considered communication - ✔✔d. All of them are considered
communication
✔✔What is defined as "location information?
a. Consumer's home address, home phone number, and place of employment
b. Consumer's home number, cell number, and POE number
c. Consumer's address, home number, and cell phone number
d. Consumer's address, place of employment, and spouse's place of employment -
✔✔a. Consumer's home address, home phone number, and place of employment
✔✔When must you identify the name of the company you are calling from when
speaking with a 3rd party?
a. Every time you speak to someone
b. When specifically asked by the 3rd party
c. Never - ✔✔b. When specifically asked by the 3rd party
✔✔When communicating with a consumer, a debt collector:
A. Must only communicate with the consumer once unless the debt collector believes
the consumer has updated information.
B. Must disclose that the communication is from a debt collector.
C. Must not disclose his employer unless specifically requested.
D. Must communicate with the consumer during business hours. - ✔✔B. Must disclose
that the communication is from a debt collector.
✔✔Which of the following statements, within the first 5 days of the validation period,
would not constitute overshadowing?
A. If you do not pay this debt immediately we will bring suit against you.
AND SOLUTIONS RATED A+
✔✔T/F: A debt collector may imply he is an attorney if the account will be forwarded to
an attorney for collection. - ✔✔FALSE
✔✔T/F: You 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. - ✔✔FALSE
✔✔T/F: A consumer can dispute the debt after the Validation Period has expired. -
✔✔TRUE
✔✔T/F: An individual debt collector can be personally sued under the FDCPA -
✔✔TRUE
✔✔T/F: A debt collector does not violate the FDCPA by belittling or embarrassing the
consumer. - ✔✔FALSE
✔✔T/F: A debt collector may tell a consumer he has committed a crime by failing to pay
the debt - ✔✔FALSE
✔✔T/F: A debt collector is never allowed to overshadow the validation period in
collection lettersor collection calls. - ✔✔TRUE
✔✔ What is the definition of a consumer?
a. A person who offers or extends credit
b. A person who is obligated or allegedly obligated to pay a debt
c. A person who collects debt - ✔✔b. A person who is obligated or allegedly obligated to
pay a debt
✔✔Which of the below is not considered a 3rd party?
a. The consumer's attorney
b. The neighbor of the consumer
c. Answering machine
d. The mother of the consumer - ✔✔a. The consumer's attorney
✔✔Define the term "Creditor":
a. A person who is obligated or allegedly obligated to pay a debt
b. A person who collects debt
, c. A person who offers or extends credit - ✔✔c. A person who offers or extends credit
✔✔Define the term "Debt Collector":
a. A person who offers or extends credit
b. A person who is obligated or allegedly obligated to pay a debt
c. A person who collects debt - ✔✔c. A person who collects debt
✔✔Which of the below is not defined as communication per the FDCPA?
a. The initial demand letter
b. A voicemail message
c. Contact with the consumer at their place of employment
d. All of them are considered communication - ✔✔d. All of them are considered
communication
✔✔What is defined as "location information?
a. Consumer's home address, home phone number, and place of employment
b. Consumer's home number, cell number, and POE number
c. Consumer's address, home number, and cell phone number
d. Consumer's address, place of employment, and spouse's place of employment -
✔✔a. Consumer's home address, home phone number, and place of employment
✔✔When must you identify the name of the company you are calling from when
speaking with a 3rd party?
a. Every time you speak to someone
b. When specifically asked by the 3rd party
c. Never - ✔✔b. When specifically asked by the 3rd party
✔✔When communicating with a consumer, a debt collector:
A. Must only communicate with the consumer once unless the debt collector believes
the consumer has updated information.
B. Must disclose that the communication is from a debt collector.
C. Must not disclose his employer unless specifically requested.
D. Must communicate with the consumer during business hours. - ✔✔B. Must disclose
that the communication is from a debt collector.
✔✔Which of the following statements, within the first 5 days of the validation period,
would not constitute overshadowing?
A. If you do not pay this debt immediately we will bring suit against you.
