FDCPA Test| Rated A Questions and Verified Answers 100% Correct| Grade A (2024/ 2025)

FDCPA Test| Rated A Questions and Verified Answers 100% Correct| Grade A (2024/ 2025) Q: A professional debt collector may communicate to a customer that a judgement has been obtained and wages may be garnished, if: Answer: A judgement has been obtained and the agency's next action will be to execute it through garnishment. (807) Q: True or False... Under the FDCPA, individual collectors are permitted to use an alias if they use it constantly. Answer: True (804)^ Q: True or False... Professional debt collectors may ask a customer's neighbor to aide in the collection of debt. Answer: False (805)& Q: True or False: An agency can legally use the company's initials on the outside of envelopes when sending collection notices. Answer: True (804)* Q: If a debtor requests that the communication be stopped at the debtor's place of employment: Answer: A collector must immediately stop communication at this number. (806) Q: When can a professional collector contact a customer's employer? Answer: When skiptracking (805) Q: True or False... The word "harassment" is defined under section 803 "Definitions" under FDCPA. Answer: False (803)( Q: Professional collectors may not disclose the purpose of their communication when... Answer: contacting the customer's employer. Q: True or False... A collection agency is allowed to report information on past due accounts to credit reporting services if it is the agency's normal policy to do so and is authorized by the creditor. Answer: True (807)) Q: True or False... The FDCPA defines a customer as any person obligated by the creditor to pay a debt.