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FDCPA Exam 2026 Questions and Answers

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FDCPA Exam 2026 Questions and Answers

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FDCPA Exam 2026 Questions and
Answers

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 - Correct answer-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 - Correct answer-a. The consumer's attorney



©COPYRIGHT 2025, ALL RIGHTS RESERVE 1

, 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 - Correct answer-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 - Correct answer-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


©COPYRIGHT 2025, ALL RIGHTS RESERVE 2

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