FDCPA for Collectors Post Test Questions with correct Answers 2024

FDCPA for Collectors Post Test Questions with correct Answers 2024 The FDCPA only covers consumer debts that are in default. True or False 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 True Brainpower Read More Previous Play Next Rewind 10 seconds Move forward 10 seconds Unmute 0:05 / 0:15 Full screen A validation notice must include the following: 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: 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 False The Mini-Miranda applies only to the first written communication from a debt collector to a consumer. True or False False If a consumer asks you in writing to cease communication, you are prohibited from contacting the debtor again. 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. True You must honor a written request to cease communication with an adult debtor when the request comes from: The debtor or a debtor's spouse You must follow a debtor's instructions for application of a payment to multiple accounts when a dispute is involved. True If a consumer disputes the accuracy of the balance, but not that the account is owed, you may continue collection effort on... the undisputed portion When you are skip-tracing, it is always a third-party disclosure violation to give the name of your employer. True or False False When you call to confirm or correct debtor location information, you may ask for: Home address and home phone number Does the following question to a third-party violate the FDCPA: "Do you know if your neighbor works nights?" Yes The FDCPA prohibits debt collectors from using collection related words or symbols on the outside of envelopes or on postcards to communicate with the debtor. True or False True Debt collectors who use collection attorneys may use attorney letters for notices of final demand before legal action so long as the attorney approves the content. True or False False Without prior consent, the FDCPA requires that the collection calls be made no earlier than 8AM and no later than 9PM local time for the consumer or the debt collector. True or False False The FDCPA permits debt collectors to call a debtor's place of employment at any time so long as it is for a legitimate purpose and the number of calls is not excessive. False When you learn that an attorney represents a debtor, you must: Communicate only with the debtor's attorney, unless you have insufficient contact information or the attorney does not respond. If a consumer uses obscenities or abuses a debt collector, then the collector would not violate the FDCPA by using similar language in defense. True or False False It is acceptable to motivate a debtor to pay by reminding him or her of the shame they may experience in the community over a bad credit rating. False A debt collector leaves a Dallas-area phone number on a debtor's answering machine in Indiana. Is that permissible? No You may not accept a check post-dated by more than 5 days unless you notify the check writer in writing of your intention to deposit the check at leat 3 days and not more than ___ days before doing so. 10 When you call and a debtor in a community property state wont talk to you, the next time you call and his wife answers the phone, you can just give her your real first name and tell her that you are a business associate of her husband True or False False