FDCPA Test Prep

FDCPA Test Prep How many times can a debt collector contact a third party to request a location information regarding the consumer? - one what information can you request from a third party? - The consumer's home address, home phone, and place of employment which of the following are right parties with whom can always discuss the debt? a) the consumer's parents b)the consumer's employer c) the consumer's accountant d) the executor of the estate of a deceased - D the FDCPA allows debt collectors to contact a consumer between what hours - 8am- 9pm a debt collector may not: a) use an alias when attempting to collect a debt b) use a post card to attempt to collect a debt c) disclose the debt to a consumer's attorney d) contact consumer during the validation period - B True/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 - False True/ False: a debt collector may imply he is an attorney if the account will be forwarded to an attorney for collection - false True/False: a consumer can dispute the debt after validation period has expired - true True/False: an individual debt collector can be personally sued under the FDCPA - True When communicating with a consumer a debt collector: a) can be rude to a consumer if the consumer is rude first b) can demand immediate payment during the validation period c) can imply that the consumer will be sued if it will influence the consumer to pay d) can contact the consumer at work if it is not inconvenient for the consumer - D When communicating with the consumer, the debt collector must: a) disclose that the info is from a debt collector b) only communicate with the consumer once unless the debt collector believes the consumer has updated information c) communicate with the consumer during business hours d) not disclose his employer unless specifically requested - a The FDCPA is: a) federal debt collectors participants agreement b) a federal law governing the ethical collection of past due debts c) the federal government agency enforcing debt collection laws d) a trade association for credit and collection professionals - B A written refusal to pay a debt: a) requires no response by a debt collector b) requires a debt collector to communicate with a consumer in writing c)requires a debt collector to communicate with a consumer by telephone d)requires a debt collector to cease communicating with a consumer regarding the debt - D a debt collector can overshadow the validation period by: a) requesting payment in the first collection call b) offering a settlement that expires after the validation period expires c) demanding immediate payment during the validation period d) not offering a settlement - C a debt collecter must: A) provide written notice of the intent to deposit a check post dated by more than 5 days B) contact a consumer between 10am and 7pm in the collector's time zone C) contact a third party repeatedly to obtain location info D) increase the amount of the debt if the consumer does not pay - A