FDCPA EXAMS SCRIPT 2026/2027 QUESTIONS AND
SOLUTIONS RATED A+
✔✔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
d. All of the above - ✔✔d. All of the above
✔✔What is considered harassment?
a. Asking the debtor to pay for the debt he/she owes
b. Making repeated calls to the home
c. Calling a third party
, d. None of the above - ✔✔b. Making repeated calls to the home
✔✔A collector would know that calling a debtor at their place of employment was
inconvenient if:
a. The debtor notifies the collector directly not to call at his or her place of employment
b. The collector attempts to contact a debtor and learns from a 3rd party that personal
calls are not permitted to employees during working hours
c. The collector has any general knowledge that such calls would be inconvenient for
the debtor
d. All of the above - ✔✔d. All of the above
✔✔When can you tell a 3rd party about the existence of a debt?
a. When you feel it will help you collect the debt
b. The mother of the debtor calls in to pay for the account
c. When you cannot get the debtor to pay
d. When you get express permission from the debtor - ✔✔d. When you get express
permission from the debtor
✔✔How often can you leave a voicemail on a relative's phone?
a. Once a day
b. Once a week
c. Once a month
d. Never - ✔✔d. Never
✔✔How many times can you communicate with a 3rd party?
a. Until you receive correct location information
b. As often as you want
c. Only one time
d. When you believe they lied to you - ✔✔c. Only one time
✔✔What time is acceptable to communicate with a debtor?
a. Between the hours of 8 a.m. and 9 p.m. where the debt collector is located
b. Between the hours of 8 a.m. and 9 p.m. where the debtor is located
c. Anytime you know the debtor will be home
d. None of the Above - ✔✔b. Between the hours of 8 a.m. and 9 p.m. where the debtor
is located
✔✔When can you ask the debtor to speak with their supervisor?
a. When the debtor is not available to speak with you
SOLUTIONS RATED A+
✔✔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
d. All of the above - ✔✔d. All of the above
✔✔What is considered harassment?
a. Asking the debtor to pay for the debt he/she owes
b. Making repeated calls to the home
c. Calling a third party
, d. None of the above - ✔✔b. Making repeated calls to the home
✔✔A collector would know that calling a debtor at their place of employment was
inconvenient if:
a. The debtor notifies the collector directly not to call at his or her place of employment
b. The collector attempts to contact a debtor and learns from a 3rd party that personal
calls are not permitted to employees during working hours
c. The collector has any general knowledge that such calls would be inconvenient for
the debtor
d. All of the above - ✔✔d. All of the above
✔✔When can you tell a 3rd party about the existence of a debt?
a. When you feel it will help you collect the debt
b. The mother of the debtor calls in to pay for the account
c. When you cannot get the debtor to pay
d. When you get express permission from the debtor - ✔✔d. When you get express
permission from the debtor
✔✔How often can you leave a voicemail on a relative's phone?
a. Once a day
b. Once a week
c. Once a month
d. Never - ✔✔d. Never
✔✔How many times can you communicate with a 3rd party?
a. Until you receive correct location information
b. As often as you want
c. Only one time
d. When you believe they lied to you - ✔✔c. Only one time
✔✔What time is acceptable to communicate with a debtor?
a. Between the hours of 8 a.m. and 9 p.m. where the debt collector is located
b. Between the hours of 8 a.m. and 9 p.m. where the debtor is located
c. Anytime you know the debtor will be home
d. None of the Above - ✔✔b. Between the hours of 8 a.m. and 9 p.m. where the debtor
is located
✔✔When can you ask the debtor to speak with their supervisor?
a. When the debtor is not available to speak with you
