Fair Debt Collections Practices Act (FDCPA) Questions with 100% Correct Answers | Verified | Latest Update 2024

1. Which of the following is the correct response to consumer written requests that they not be contacted again by debt collectors? A. Collectors may send final demand letters. B. Collectors may send letters explaining that defaulted obligations are being turned over to attorneys for legal action. C. Collectors may call and ask for verification of requests to cease communications. D. Collectors may send letters that remind debtors of their legal obligations under the credit contracts. - B. Collectors may send letters explaining that defaulted obligations are being turned over to attorneys for legal action. There are only three types of communication that may be sent to a consumer who has given a written notice to a debt collector to cease communications: (1) that further collection efforts will cease; (2) that the collector may invoke a specific remedy ordinarily invoked by that collector; or (3) that the collector intends to invoke a specific remedy. 2. Which of the following actions is most likely to be prohibited under the Fair Debt Collection Practices Act? A. Pursuant to a corporate policy, individual collectors using an alias when contacting consumers B. Calling a consumer's neighbors to leave messages when the consumer has a telephone C. Telling a consumer that a lawsuit would cause the consumer inconvenience and embarrassment D. Referring to the fact that a consumer could be subjected to criminal prosecution for issuing bad checks - B. Calling a consumer's neighbors to leave messages when the consumer has a telephone A collector cannot make unnecessary calls to third parties. Calling a consumer's neighbor and leaving messages when the consumer has a telephone is considered to be harassment. Although a collector may not fail to meaningfully disclose his or her identity, the use of personal aliases as a corporate policy is acceptable provided the collector is not using a false name for the business. Also, stating that a lawsuit will cause embarrassment and inconvenience is not false or misleading. Properly making a reference to criminal prosecution of issuing a bad check is also not abusive provided the offense is one that can be subject to such prosecution.