(FDCPA) FAIR DEBT COLLECTION PRACTICES ACT FINAL EXAM QUESTIONS AND ANSWERS
GRADED A+
A law that gives consumers protection against unprofessional and harassing behavior when
attempting to collect on a debt - Answers Fair Debt Collection Practices Act (FDCPA)
T or F: The FDCPA was enacted to protect consumers from abusive, unfair, and deceptive debt
collection practices, and provide guidance to debt collectors on avoiding practices that are
abusive, unfair, or deceptive. - Answers TRUE
T or F: Debts covered under the FDCPA include personal, family, and household debts as well as
automobile loans, credit card debts, and money owed for medical bills - Answers TRUE
Means more than just the person who owes the debt; it also means the debtor's spouse, parents
(if the debtor is a minor), legal guardian, and/or confirmed successor in interest - Answers
Consumer
T or F: A debt collector is usually a third party whose business is to collect debts owed to a
creditor. That is, their primary business is collecting on debts that are not owed directly to them,
but to another entity. - Answers TRUE
T or F: The two most common debt collectors are debt collection agencies and collection
attorneys. - Answers TRUE
A debt collector calls a debtor's sister in an attempt to locate the debtor. The collector identifies
himself and then explains that the purpose of his call is to find out the location of the debtor
because he owes money on a debt. Has the debt collector violated the FDCPA? - Answers Yes
T or F: A debt collector may contact a consumer in person, by mail, by telephone, by telegram,
by fax, or electronically, such as by email or social media - Answers TRUE
T or F: A debt collector may contact a consumer between 8 am and 9 pm at the consumer's
local time, unless the consumer asks to be contacted at another more convenient time (Calling
outside of convenient hours is a common violation of the FDCPA, the most common being a
high volume of calls) - Answers TRUE
T or F: If an attorney represents a consumer, the debt collector must only communicate with the
attorney, unless the consumer requests otherwise or the attorney does not respond to a
communication from the debt collector in a reasonable amount of time - Answers TRUE
What is the most common violation of FDCPA?
A. Disclosing debt to acquaintances
B. Calling outside of convenient hours
C. Failure to self-identify
GRADED A+
A law that gives consumers protection against unprofessional and harassing behavior when
attempting to collect on a debt - Answers Fair Debt Collection Practices Act (FDCPA)
T or F: The FDCPA was enacted to protect consumers from abusive, unfair, and deceptive debt
collection practices, and provide guidance to debt collectors on avoiding practices that are
abusive, unfair, or deceptive. - Answers TRUE
T or F: Debts covered under the FDCPA include personal, family, and household debts as well as
automobile loans, credit card debts, and money owed for medical bills - Answers TRUE
Means more than just the person who owes the debt; it also means the debtor's spouse, parents
(if the debtor is a minor), legal guardian, and/or confirmed successor in interest - Answers
Consumer
T or F: A debt collector is usually a third party whose business is to collect debts owed to a
creditor. That is, their primary business is collecting on debts that are not owed directly to them,
but to another entity. - Answers TRUE
T or F: The two most common debt collectors are debt collection agencies and collection
attorneys. - Answers TRUE
A debt collector calls a debtor's sister in an attempt to locate the debtor. The collector identifies
himself and then explains that the purpose of his call is to find out the location of the debtor
because he owes money on a debt. Has the debt collector violated the FDCPA? - Answers Yes
T or F: A debt collector may contact a consumer in person, by mail, by telephone, by telegram,
by fax, or electronically, such as by email or social media - Answers TRUE
T or F: A debt collector may contact a consumer between 8 am and 9 pm at the consumer's
local time, unless the consumer asks to be contacted at another more convenient time (Calling
outside of convenient hours is a common violation of the FDCPA, the most common being a
high volume of calls) - Answers TRUE
T or F: If an attorney represents a consumer, the debt collector must only communicate with the
attorney, unless the consumer requests otherwise or the attorney does not respond to a
communication from the debt collector in a reasonable amount of time - Answers TRUE
What is the most common violation of FDCPA?
A. Disclosing debt to acquaintances
B. Calling outside of convenient hours
C. Failure to self-identify
