FDCPA FINAL EXAM 2026/2027 QUESTIONS AND
SOLUTIONS RATED A+
✔✔When can you ask the debtor to speak with their supervisor?
a. When the debtor is not available to speak with you
b. When you feel it will help you collect the money
c. When you think it will scare them to pay the debt
d. Never - ✔✔d. Never
✔✔A validation letter must contain:
a. Name of the creditor to whom the debt is owed.
b. a statement that unless the consumer, within thirty days after receipt of the notice,
disputes the validity of the debt, or any portion thereof, the debt will be assumed to be
valid by the debt collector.
c. The amount of the debt.
d. All of the above - ✔✔d. All of the above
✔✔What does "FDCPA" stand for?
a. The Fair Debt and Creditor Practices Act
b. The Federal Debt Collectors Procedure Act
c. The First Debt Collectors Procedures Act
d. The Fair Debt Collection Practices Act - ✔✔d. The Fair Debt Collection Practices Act
✔✔The FDCPA is:
A. A federal law governing the ethical collection of past due debts.
B. A random set of letters.
C. The federal government agency enforcing debt collection laws.
D. A trade association for credit and collection professionals. - ✔✔B. A federal law
governing the ethical collection of past due debts.
✔✔A refusal to pay a debt:
A. Requires no action by a debt collector.
B. Requires a debt collector to cease communicating with a consumer regarding a debt.
C. Requires a debt collector to communicate with a consumer by telephone.
D. Requires a debt collector to communicate with a consumer in writing. - ✔✔B.
Requires a debt collector to cease communicating with a consumer regarding a debt.
✔✔The Fair Debt Collection Practices Act is designed:
a. Make debt collection more difficult.
, b. Allow consumers to discharge their past due debts.
c. Eliminate abusive collection efforts.
d. Handcuff debt collectors with onerous provisions. - ✔✔c. Eliminate abusive collection
efforts.
✔✔A debt collector would overshadow the Validation Period by:
A. Demanding immediate payment during the validation period.
B. Offering a settlement that expires after the validation period expires.
C. Requesting payment in the first collection call.
D. Not offering a settlement. - ✔✔A. Demanding immediate payment during the
validation period.
✔✔T/F: The statement "We're not playing around here, we can play tough" is a violation
of the FDCPA? - ✔✔TRUE
✔✔T/F: You must speak with the debtors' attorney if they are being represented? -
✔✔TRUE
✔✔T/F: A collector must specifically indicate to a debtor that he or she is a debt
collector? - ✔✔TRUE
✔✔T/F: You can call the home 5 times in a row if no one answers? - ✔✔FALSE
✔✔T/F: You can imply that nonpayment of any debt will result in the arrest or
imprisonment of any person? - ✔✔FALSE
✔✔T/F: You may not communicate with a debtor when you know they will be
inconvenienced? - ✔✔TRUE
✔✔T/F: You can say you are an attorney if it helps getting the bill paid? - ✔✔FALSE
✔✔T/F: A debt collector may imply he is an attorney if the account will be forwarded to
an attorney for collection. - ✔✔FALSE
✔✔T/F: You may call a consumer as many times in a day as it takes to get a hold of the
consumer so long as the debt collector does not leave a message. - ✔✔FALSE
✔✔T/F: A consumer can dispute the debt after the Validation Period has expired. -
✔✔TRUE
✔✔T/F: An individual debt collector can be personally sued under the FDCPA -
✔✔TRUE
SOLUTIONS RATED A+
✔✔When can you ask the debtor to speak with their supervisor?
a. When the debtor is not available to speak with you
b. When you feel it will help you collect the money
c. When you think it will scare them to pay the debt
d. Never - ✔✔d. Never
✔✔A validation letter must contain:
a. Name of the creditor to whom the debt is owed.
b. a statement that unless the consumer, within thirty days after receipt of the notice,
disputes the validity of the debt, or any portion thereof, the debt will be assumed to be
valid by the debt collector.
c. The amount of the debt.
d. All of the above - ✔✔d. All of the above
✔✔What does "FDCPA" stand for?
a. The Fair Debt and Creditor Practices Act
b. The Federal Debt Collectors Procedure Act
c. The First Debt Collectors Procedures Act
d. The Fair Debt Collection Practices Act - ✔✔d. The Fair Debt Collection Practices Act
✔✔The FDCPA is:
A. A federal law governing the ethical collection of past due debts.
B. A random set of letters.
C. The federal government agency enforcing debt collection laws.
D. A trade association for credit and collection professionals. - ✔✔B. A federal law
governing the ethical collection of past due debts.
✔✔A refusal to pay a debt:
A. Requires no action by a debt collector.
B. Requires a debt collector to cease communicating with a consumer regarding a debt.
C. Requires a debt collector to communicate with a consumer by telephone.
D. Requires a debt collector to communicate with a consumer in writing. - ✔✔B.
Requires a debt collector to cease communicating with a consumer regarding a debt.
✔✔The Fair Debt Collection Practices Act is designed:
a. Make debt collection more difficult.
, b. Allow consumers to discharge their past due debts.
c. Eliminate abusive collection efforts.
d. Handcuff debt collectors with onerous provisions. - ✔✔c. Eliminate abusive collection
efforts.
✔✔A debt collector would overshadow the Validation Period by:
A. Demanding immediate payment during the validation period.
B. Offering a settlement that expires after the validation period expires.
C. Requesting payment in the first collection call.
D. Not offering a settlement. - ✔✔A. Demanding immediate payment during the
validation period.
✔✔T/F: The statement "We're not playing around here, we can play tough" is a violation
of the FDCPA? - ✔✔TRUE
✔✔T/F: You must speak with the debtors' attorney if they are being represented? -
✔✔TRUE
✔✔T/F: A collector must specifically indicate to a debtor that he or she is a debt
collector? - ✔✔TRUE
✔✔T/F: You can call the home 5 times in a row if no one answers? - ✔✔FALSE
✔✔T/F: You can imply that nonpayment of any debt will result in the arrest or
imprisonment of any person? - ✔✔FALSE
✔✔T/F: You may not communicate with a debtor when you know they will be
inconvenienced? - ✔✔TRUE
✔✔T/F: You can say you are an attorney if it helps getting the bill paid? - ✔✔FALSE
✔✔T/F: A debt collector may imply he is an attorney if the account will be forwarded to
an attorney for collection. - ✔✔FALSE
✔✔T/F: You may call a consumer as many times in a day as it takes to get a hold of the
consumer so long as the debt collector does not leave a message. - ✔✔FALSE
✔✔T/F: A consumer can dispute the debt after the Validation Period has expired. -
✔✔TRUE
✔✔T/F: An individual debt collector can be personally sued under the FDCPA -
✔✔TRUE
