ACA PRACTICE TEST WITH VERIFIED
ANSWERS; 100% CORRECT; GRADE A
A consumer can dispute the debt after the Validation
Period has expired. - correct answer- True
A consumer says, "I can't pay it" after discussing payment.
What is the best response that represents the use of the
Mirroring Technique?" - correct answer- >> "I
see...why's that?"
B. "I sent you an itemized statement with all of the details
on the account. That letter stated if you can't pay this in
60 days.......")
C. "I see, but we can talk about all of the different options
we have for payment."
D. "Okay.....it looks like we called you three times and you
promised a payment. How can you pay this today?"
A consumer's verbal request for a debt collector to cease
communication: - correct answer- >> Provides
notice that the time or place of the communication might
be inconvenient for the consumer.
,B. Has no impact on debt collection efforts.
C. Has the same impact as a written cease communication
request.
D. Has the same impact as a written refusal to pay.
A consumer's written dispute during the Validation
Period: - correct answer- A. Has no impact on
collection efforts.
>> Requires the debt collector to cease communication
and provide verification of the 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.
A debt collector can avoid FDCPA liability by having
procedures in place to avoid FDCPA violations and errors.
- correct answer- True
,A debt collector can overshadow the Validation Period by:
- correct answer- A. Requesting payment in the
first collection call.
B. Offering a settlement that expires after the validation
period expires.
>> Demanding immediate payment during the validation
period.
D. Not offering a settlement.
A debt collector can overshadow the validation period in
collection letters, but not in collection calls. - correct
answer- False
A debt collector can provide information regarding a debt
to a third party if the consumer gives permission to
disclose the information. - correct answer- True
A debt collector does not violate the FDPCA by belittling
or embarrassing the consumer. - correct answer-
False
, A debt collector 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. - correct
answer- False
A debt collector may imply he is an attorney if the account
will be forwarded to an attorney for collection. -
correct answer- False
A debt collector may not: - correct answer- A.
Use an alias when attempting to collect a debt.
>> Use a post card to attempt to collect a debt.
C. Disclose the debt to a consumer's attorney.
D. Contact a consumer during the validation period.
A debt collector may tell a consumer he has committed a
crime by failing to pay the debt. - correct answer-
False
ANSWERS; 100% CORRECT; GRADE A
A consumer can dispute the debt after the Validation
Period has expired. - correct answer- True
A consumer says, "I can't pay it" after discussing payment.
What is the best response that represents the use of the
Mirroring Technique?" - correct answer- >> "I
see...why's that?"
B. "I sent you an itemized statement with all of the details
on the account. That letter stated if you can't pay this in
60 days.......")
C. "I see, but we can talk about all of the different options
we have for payment."
D. "Okay.....it looks like we called you three times and you
promised a payment. How can you pay this today?"
A consumer's verbal request for a debt collector to cease
communication: - correct answer- >> Provides
notice that the time or place of the communication might
be inconvenient for the consumer.
,B. Has no impact on debt collection efforts.
C. Has the same impact as a written cease communication
request.
D. Has the same impact as a written refusal to pay.
A consumer's written dispute during the Validation
Period: - correct answer- A. Has no impact on
collection efforts.
>> Requires the debt collector to cease communication
and provide verification of the 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.
A debt collector can avoid FDCPA liability by having
procedures in place to avoid FDCPA violations and errors.
- correct answer- True
,A debt collector can overshadow the Validation Period by:
- correct answer- A. Requesting payment in the
first collection call.
B. Offering a settlement that expires after the validation
period expires.
>> Demanding immediate payment during the validation
period.
D. Not offering a settlement.
A debt collector can overshadow the validation period in
collection letters, but not in collection calls. - correct
answer- False
A debt collector can provide information regarding a debt
to a third party if the consumer gives permission to
disclose the information. - correct answer- True
A debt collector does not violate the FDPCA by belittling
or embarrassing the consumer. - correct answer-
False
, A debt collector 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. - correct
answer- False
A debt collector may imply he is an attorney if the account
will be forwarded to an attorney for collection. -
correct answer- False
A debt collector may not: - correct answer- A.
Use an alias when attempting to collect a debt.
>> Use a post card to attempt to collect a debt.
C. Disclose the debt to a consumer's attorney.
D. Contact a consumer during the validation period.
A debt collector may tell a consumer he has committed a
crime by failing to pay the debt. - correct answer-
False
