FDCPA – Fair Debt Collection Practices Act Study and
Review Guide
True or False: the FDCPA allows professional debt collectors to contact customers between
8:00am and 9:00pm local time for the consumer. (In consumers time zone) - ANS✔✔ True
Which of the following statements made by professional debt collectors would not be
considered harassing?
A. "You're really lazy! Why don't you get a job?"
B. "I'll have to contact your employer if you don't pay your bill."
C. "You shouldn't buy a house if you can't pay your bill."
D. None of the above - ANS✔✔ D. None of the above
True of False: when seeking location information, professional debt collectors may inform the
consumers neighbor about the existence of a debt. - ANS✔✔ False
A validation notice is:
A. An explanation of what a collection agency must do if a debt is disputed
B. Required by the FDCPA
C. A written explanation of the consumers right to dispute a debt
D. All of the above - ANS✔✔ D. All of the above
Location information is a consumer's:
A. Place of residence, home phone number or place of employment.
B. Home phone number, work phone number or place of employment
C. Home phone number, work phone number or supervisors phone number
, D. Place of residence, work phone number or supervisors phone number. - ANS✔✔ A. Place of
residence, home phone number or place of employment.
A professional debt collector may contact a consumers employer when:
A. The collector is unable to contact the consumer after three attempts
B. The debt is over $500
C. The collector is verifying employment
D. The consumer says he doesn't earn enough money to pay the debt - ANS✔✔ C. The collector
is verifying employment
When communicating with consumers about a debt, professional debt collectors:
A. Must identify themselves as debt collectors
B. May imply they work for the government
C. May use forms that look like legal documents
D. None of the above - ANS✔✔ A. Must identify themselves as debt collectors
True or false: professional debt collectors can be held liable for violation of the FDCPA to the
same extent as their employers - ANS✔✔ True
True or false: professional debt collectors may refer to legal action as a collection possibility on
all size accounts even if their policy is to sue on accounts larger that $250 - ANS✔✔ False
True or false: a collector can demand immediate payment 21 days after the notice is sent -
ANS✔✔ False
True or false: collectors may say anything over the telephone that they are prohibited from
writing in letters - ANS✔✔ False
Review Guide
True or False: the FDCPA allows professional debt collectors to contact customers between
8:00am and 9:00pm local time for the consumer. (In consumers time zone) - ANS✔✔ True
Which of the following statements made by professional debt collectors would not be
considered harassing?
A. "You're really lazy! Why don't you get a job?"
B. "I'll have to contact your employer if you don't pay your bill."
C. "You shouldn't buy a house if you can't pay your bill."
D. None of the above - ANS✔✔ D. None of the above
True of False: when seeking location information, professional debt collectors may inform the
consumers neighbor about the existence of a debt. - ANS✔✔ False
A validation notice is:
A. An explanation of what a collection agency must do if a debt is disputed
B. Required by the FDCPA
C. A written explanation of the consumers right to dispute a debt
D. All of the above - ANS✔✔ D. All of the above
Location information is a consumer's:
A. Place of residence, home phone number or place of employment.
B. Home phone number, work phone number or place of employment
C. Home phone number, work phone number or supervisors phone number
, D. Place of residence, work phone number or supervisors phone number. - ANS✔✔ A. Place of
residence, home phone number or place of employment.
A professional debt collector may contact a consumers employer when:
A. The collector is unable to contact the consumer after three attempts
B. The debt is over $500
C. The collector is verifying employment
D. The consumer says he doesn't earn enough money to pay the debt - ANS✔✔ C. The collector
is verifying employment
When communicating with consumers about a debt, professional debt collectors:
A. Must identify themselves as debt collectors
B. May imply they work for the government
C. May use forms that look like legal documents
D. None of the above - ANS✔✔ A. Must identify themselves as debt collectors
True or false: professional debt collectors can be held liable for violation of the FDCPA to the
same extent as their employers - ANS✔✔ True
True or false: professional debt collectors may refer to legal action as a collection possibility on
all size accounts even if their policy is to sue on accounts larger that $250 - ANS✔✔ False
True or false: a collector can demand immediate payment 21 days after the notice is sent -
ANS✔✔ False
True or false: collectors may say anything over the telephone that they are prohibited from
writing in letters - ANS✔✔ False
