FDCPA – Comprehensive Study Guide on Fair Debt
Collection Practices
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 - ANS✔✔ 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 - ANS✔✔ a. The consumer's attorney
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 - ANS✔✔ 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 - ANS✔✔ 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
c. Contact with the consumer at their place of employment
d. All of them are considered communication - ANS✔✔ d. All of them are considered
communication
What is defined as "location information?
a. Consumer's home address, home phone number, and place of employment
b. Consumer's home number, cell number, and POE number
c. Consumer's address, home number, and cell phone number
d. Consumer's address, place of employment, and spouse's place of employment - ANS✔✔ a.
Consumer's home address, home phone number, and place of employment
When must you identify the name of the company you are calling from when speaking with a
3rd party?
a. Every time you speak to someone
b. When specifically asked by the 3rd party
c. Never - ANS✔✔ b. When specifically asked by the 3rd party
Collection Practices
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 - ANS✔✔ 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 - ANS✔✔ a. The consumer's attorney
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 - ANS✔✔ 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 - ANS✔✔ 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
c. Contact with the consumer at their place of employment
d. All of them are considered communication - ANS✔✔ d. All of them are considered
communication
What is defined as "location information?
a. Consumer's home address, home phone number, and place of employment
b. Consumer's home number, cell number, and POE number
c. Consumer's address, home number, and cell phone number
d. Consumer's address, place of employment, and spouse's place of employment - ANS✔✔ a.
Consumer's home address, home phone number, and place of employment
When must you identify the name of the company you are calling from when speaking with a
3rd party?
a. Every time you speak to someone
b. When specifically asked by the 3rd party
c. Never - ANS✔✔ b. When specifically asked by the 3rd party
