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

FDCPA Test| Questions and Verified Answers (2024/ 2025) 100% Correct| Grade A Q: True or false: professional debt collectors may refer to legal action as a collection possibility on all size accounts even if their policy is to sue on accounts larger that $250 Answer: False Q: True or false: a collector can demand immediate payment 21 days after the notice is sent Answer: False Q: True or false: collectors may say anything over the telephone that they are prohibited from writing in letters Answer: False Q: True or false: a professional debt collector is permitted to report information on past due accounts to credit reporting agencies Answer: True Q: True or false: my companies name indicates that it is a collection agency. According to the FDCPA, I can legally use my company's initials on the outside of the envelope when I send collection notices Answer: True Q: True or false: a professional debt collector may not continue communicating with the consumer when the consumer is represented by an attorney Answer: True Q: True or false: a collector sent a letter to a consumer that stated. "All of your household goods and furnishing will be sold if you do not pay this amount." This statement above constitutes false and misleading information Answer: True Q: True or false: in certain situations, a debt collector may use obscene or profane language Answer: False Q: When skip tracing, collectors should not: A. Ask for location information B. Identify themselves by name only C. State that they are trying to locate the person D. Use postcards Answer: D. Use postcards