FDCPA CORE EXAMS SET 2026/2027 QUESTIONS AND
SOLUTIONS RATED A+
✔✔The Fair Debt Collection Practices Act is designed to:
A) make debt collection more difficult
B) allow consumers to discharge their past due debts
C) handcuff debt collectors with onerous provisions
D) eliminate abusive collection efforts - ✔✔D
✔✔A consumer's verbal request for a debt collector to cease communications:
a) provides notice that the time of place of the communication might be inconvenient for
the consumer
b) has no impact on the debt collection effort
c) has the same impact as a written cease communication
d) has the same impact as a written refusal to pay - ✔✔A
✔✔When a consumer is represented by an attorney:
a) a debt collector may communicate with the consumer or the attorney and obtain
location information from a third party
b) a debt collector may communicate with the attorney and attempt to obtain location
information from third parties
c) a debt collector may communicate with the attorney only
d) a debt collector may cease all communication regarding the debt - ✔✔C
✔✔True/False: a debt collector may tell a consumer he has committed a crime by failing
to pay a debt - ✔✔False
✔✔True/False: a debt collector can overshadow the Validation period in collection calls,
but not in collection letters - ✔✔False
✔✔True/False: when communicating with a consumer, a debt collector must identify
themselves and disclose the purpose of the communication - ✔✔True
✔✔True/False: a debt collector can avoid FDCPA liability by having procedures in place
to avoid FDCPA violations and errors - ✔✔True
✔✔A consumer's written dispute during the validation period:
a) has no impact on collection efforts
b) requires the debt collector to cease communication and provide verification of debt
c) requires the debt collector to provide verification of the debt, but collection efforts may
continue
d) requires the creditor to contact the consumer to provide verification of the debt - ✔✔B
SOLUTIONS RATED A+
✔✔The Fair Debt Collection Practices Act is designed to:
A) make debt collection more difficult
B) allow consumers to discharge their past due debts
C) handcuff debt collectors with onerous provisions
D) eliminate abusive collection efforts - ✔✔D
✔✔A consumer's verbal request for a debt collector to cease communications:
a) provides notice that the time of place of the communication might be inconvenient for
the consumer
b) has no impact on the debt collection effort
c) has the same impact as a written cease communication
d) has the same impact as a written refusal to pay - ✔✔A
✔✔When a consumer is represented by an attorney:
a) a debt collector may communicate with the consumer or the attorney and obtain
location information from a third party
b) a debt collector may communicate with the attorney and attempt to obtain location
information from third parties
c) a debt collector may communicate with the attorney only
d) a debt collector may cease all communication regarding the debt - ✔✔C
✔✔True/False: a debt collector may tell a consumer he has committed a crime by failing
to pay a debt - ✔✔False
✔✔True/False: a debt collector can overshadow the Validation period in collection calls,
but not in collection letters - ✔✔False
✔✔True/False: when communicating with a consumer, a debt collector must identify
themselves and disclose the purpose of the communication - ✔✔True
✔✔True/False: a debt collector can avoid FDCPA liability by having procedures in place
to avoid FDCPA violations and errors - ✔✔True
✔✔A consumer's written dispute during the validation period:
a) has no impact on collection efforts
b) requires the debt collector to cease communication and provide verification of debt
c) requires the debt collector to provide verification of the debt, but collection efforts may
continue
d) requires the creditor to contact the consumer to provide verification of the debt - ✔✔B
