FDCPA Test – Study Guide and Practice Questions
In what year did the Fair Debt Collection Practices Act ("FDCPA") become law?
a)1977
b)1990
c)2006 - correct answer ✔✔ a)1977
The FDCPA applies to:
a) Debt collectors
b) Creditors
c) Both
d) Neither - correct answer ✔✔ a) debt collectors
Debt collectors are prohibited from contacting debtors by which of the following means?
a) Email
b) Fax
c) Postcard
d) Social Media Messaging - correct answer ✔✔ c) Postcard
The FDCPA is a strict construction statute, which means there is no room for speculation or
interpretation as to its terms. TRUE FALSE - correct answer ✔✔ TRUE
When is the earliest a debt collector may contact a debtor? a) 7:00 AM in the debtor's time
zone 6) 8:00 AM in the debtor's time zone c) 8:00 AM in the debt collector's time zone d)
Anytime - correct answer ✔✔ a) 6) 8:00 AM in the debtor's time zone
, When is the latest a debt collect may contact a debtor? a) 5:00 PM in the debtor's time zone )
9:00 PM in the debtor's time zone 9:00 PM in the debt collector's time zone d) Anytime - correct
answer ✔✔ ) 9:00 PM in the debtor's time zone
Can a debt collector contact a debtor at work? a) No, the FDCPA covers personal debts, not
work-related debts b) Yes, the debtor can be called at work at any time V Yes, but only if the
debtor has not informed the debt collector that the debtor cannot receive calls at work and the
debtor's employer permits those types of calls d) Yes, but only if the debtor's employer offered
to pay some of the debt - correct answer ✔✔ Yes, but only if the debtor has not informed the
debt collector that the debtor cannot receive calls at work and the debtor's employer permits
those types of calls
A debt collector may discuss the following with the debtor's friends, family members, or
employers: a) The amount owed The name of the creditor(s) c) Contact/location information d)
The debtor's finances - correct answer ✔✔ c) Contact/location information
If a debtor informs a debt collector he is represented by an attorney the debt collector may
communicate with either the debtor's attorney or the debtor. a) TRUE FALSE - correct answer
✔✔ FALSE
What types of debts are covered under the FDCPA? a) Personal Business Any debt a debt
collector is attempting to collect - correct answer ✔✔ Personal
Can a debt collector seek interest on a collections account? a Yes, but only if the debtor is aware
of the account b) Yes, but only if the debtor made partial payments to the creditor c) No, any
collection of interest is a violation of the FDCPA d) Yes, but only if permitted by law or included
in the contract signed by the debtor - correct answer ✔✔ d) Yes, but only if permitted by law or
included in the contract signed by the debtor
Under the FDCPA, a debtor is only obligated to pay what she can afford: - correct answer ✔✔
False.
In what year did the Fair Debt Collection Practices Act ("FDCPA") become law?
a)1977
b)1990
c)2006 - correct answer ✔✔ a)1977
The FDCPA applies to:
a) Debt collectors
b) Creditors
c) Both
d) Neither - correct answer ✔✔ a) debt collectors
Debt collectors are prohibited from contacting debtors by which of the following means?
a) Email
b) Fax
c) Postcard
d) Social Media Messaging - correct answer ✔✔ c) Postcard
The FDCPA is a strict construction statute, which means there is no room for speculation or
interpretation as to its terms. TRUE FALSE - correct answer ✔✔ TRUE
When is the earliest a debt collector may contact a debtor? a) 7:00 AM in the debtor's time
zone 6) 8:00 AM in the debtor's time zone c) 8:00 AM in the debt collector's time zone d)
Anytime - correct answer ✔✔ a) 6) 8:00 AM in the debtor's time zone
, When is the latest a debt collect may contact a debtor? a) 5:00 PM in the debtor's time zone )
9:00 PM in the debtor's time zone 9:00 PM in the debt collector's time zone d) Anytime - correct
answer ✔✔ ) 9:00 PM in the debtor's time zone
Can a debt collector contact a debtor at work? a) No, the FDCPA covers personal debts, not
work-related debts b) Yes, the debtor can be called at work at any time V Yes, but only if the
debtor has not informed the debt collector that the debtor cannot receive calls at work and the
debtor's employer permits those types of calls d) Yes, but only if the debtor's employer offered
to pay some of the debt - correct answer ✔✔ Yes, but only if the debtor has not informed the
debt collector that the debtor cannot receive calls at work and the debtor's employer permits
those types of calls
A debt collector may discuss the following with the debtor's friends, family members, or
employers: a) The amount owed The name of the creditor(s) c) Contact/location information d)
The debtor's finances - correct answer ✔✔ c) Contact/location information
If a debtor informs a debt collector he is represented by an attorney the debt collector may
communicate with either the debtor's attorney or the debtor. a) TRUE FALSE - correct answer
✔✔ FALSE
What types of debts are covered under the FDCPA? a) Personal Business Any debt a debt
collector is attempting to collect - correct answer ✔✔ Personal
Can a debt collector seek interest on a collections account? a Yes, but only if the debtor is aware
of the account b) Yes, but only if the debtor made partial payments to the creditor c) No, any
collection of interest is a violation of the FDCPA d) Yes, but only if permitted by law or included
in the contract signed by the debtor - correct answer ✔✔ d) Yes, but only if permitted by law or
included in the contract signed by the debtor
Under the FDCPA, a debtor is only obligated to pay what she can afford: - correct answer ✔✔
False.
