FDCPA (Actual) Exam Graded A+
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 - ANSWER-d. All of the above
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. - ANSWER-A. Use a post card to attempt
to collect a debt.
A debt collector would overshadow the Validation Period by:
A. Demanding immediate payment during the validation period.
B. Offering a settlement that expires after the validation period expires.
C. Requesting payment in the first collection call.
D. Not offering a settlement. - ANSWER-A. Demanding immediate payment during the
validation period.
A refusal to pay a debt:
A. Requires no action by a debt collector.
B. Requires a debt collector to cease communicating with a consumer regarding a debt.
C. Requires a debt collector to communicate with a consumer by telephone.
D. Requires a debt collector to communicate with a consumer in writing. - ANSWER-B.
Requires a debt collector to cease communicating with a consumer regarding a debt.
A validation letter must contain:
a. Name of the creditor to whom the debt is owed.
b. a statement that unless the consumer, within thirty days after receipt of the notice,
disputes the validity of the debt, or any portion thereof, the debt will be assumed to be
valid by the debt collector.
c. The amount of the debt.
d. All of the above - ANSWER-d. All of the above
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 - 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 - ANSWER-c. A person who collects debt
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 - ANSWER-c. Only one time
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 - ANSWER-d. Never
Recite the Mini Miranda.
(exclude the monitored/recorded disclosure) - ANSWER-This communication is from a
debt collector. This is an attempt to collect a debt. Any information obtained will be used
for that purpose.
T/F: A collector must specifically indicate to a debtor that he or she is a debt collector? -
ANSWER-TRUE
T/F: A consumer can dispute the debt after the Validation Period has expired. -
ANSWER-TRUE
T/F: A debt collector does not violate the FDCPA by belittling or embarrassing the
consumer. - ANSWER-FALSE
T/F: A debt collector is never allowed to overshadow the validation period in collection
lettersor collection calls. - ANSWER-TRUE
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 - ANSWER-d. All of the above
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. - ANSWER-A. Use a post card to attempt
to collect a debt.
A debt collector would overshadow the Validation Period by:
A. Demanding immediate payment during the validation period.
B. Offering a settlement that expires after the validation period expires.
C. Requesting payment in the first collection call.
D. Not offering a settlement. - ANSWER-A. Demanding immediate payment during the
validation period.
A refusal to pay a debt:
A. Requires no action by a debt collector.
B. Requires a debt collector to cease communicating with a consumer regarding a debt.
C. Requires a debt collector to communicate with a consumer by telephone.
D. Requires a debt collector to communicate with a consumer in writing. - ANSWER-B.
Requires a debt collector to cease communicating with a consumer regarding a debt.
A validation letter must contain:
a. Name of the creditor to whom the debt is owed.
b. a statement that unless the consumer, within thirty days after receipt of the notice,
disputes the validity of the debt, or any portion thereof, the debt will be assumed to be
valid by the debt collector.
c. The amount of the debt.
d. All of the above - ANSWER-d. All of the above
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 - 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 - ANSWER-c. A person who collects debt
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 - ANSWER-c. Only one time
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 - ANSWER-d. Never
Recite the Mini Miranda.
(exclude the monitored/recorded disclosure) - ANSWER-This communication is from a
debt collector. This is an attempt to collect a debt. Any information obtained will be used
for that purpose.
T/F: A collector must specifically indicate to a debtor that he or she is a debt collector? -
ANSWER-TRUE
T/F: A consumer can dispute the debt after the Validation Period has expired. -
ANSWER-TRUE
T/F: A debt collector does not violate the FDCPA by belittling or embarrassing the
consumer. - ANSWER-FALSE
T/F: A debt collector is never allowed to overshadow the validation period in collection
lettersor collection calls. - ANSWER-TRUE
