ACA Practice Test Questions and
Answers
how many times can a debt collector contact a third party to request location information regarding the
consumer - Answer-A. 2
B. 3
>> 1
D. 0
What information can you request from a third party? - Answer->> The consumer's home address,
home phone number and place of employment.
B. The consumer's home phone number, work phone number and place of employment.
C. The consumer's home address, cell phone number and place of employment.
D. The consumer's home phone number, work phone number and cell phone number.
Which of the following are right parties with whom you can always discuss the debt? - Answer-A. The
consumer's parents.
B. The consumer's employer.
C. The consumer's accountant.
>>The executor of the estate of a deceased consumer.
, The FDCPA allows debt collectors to contact a consumer: - Answer-A. Between 8:00 a.m. and 9:00 p.m.
in the collector's time zone.
>> Between 8:00 a.m. and 9:00 p.m. in the consumer's time zone.
C. Between 9:00 a.m. and 8:00 p.m. in the consumer's time zone.
D. Between 9:00 a.m. and 8:00 p.m. in the collector's time zone.
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. - Answer-False
A debt collector may not: - 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 consumer can dispute the debt after the Validation Period has expired. - Answer-True
A debt collector may imply he is an attorney if the account will be forwarded to an attorney for
collection. - Answer-False
An individual debt collector can be personally sued under the FDCPA. - Answer-True
When communicating with a consumer, a debt collector: - Answer-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.
>> Can contact the consumer at work if it is not inconvenient for the consumer.
Answers
how many times can a debt collector contact a third party to request location information regarding the
consumer - Answer-A. 2
B. 3
>> 1
D. 0
What information can you request from a third party? - Answer->> The consumer's home address,
home phone number and place of employment.
B. The consumer's home phone number, work phone number and place of employment.
C. The consumer's home address, cell phone number and place of employment.
D. The consumer's home phone number, work phone number and cell phone number.
Which of the following are right parties with whom you can always discuss the debt? - Answer-A. The
consumer's parents.
B. The consumer's employer.
C. The consumer's accountant.
>>The executor of the estate of a deceased consumer.
, The FDCPA allows debt collectors to contact a consumer: - Answer-A. Between 8:00 a.m. and 9:00 p.m.
in the collector's time zone.
>> Between 8:00 a.m. and 9:00 p.m. in the consumer's time zone.
C. Between 9:00 a.m. and 8:00 p.m. in the consumer's time zone.
D. Between 9:00 a.m. and 8:00 p.m. in the collector's time zone.
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. - Answer-False
A debt collector may not: - 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 consumer can dispute the debt after the Validation Period has expired. - Answer-True
A debt collector may imply he is an attorney if the account will be forwarded to an attorney for
collection. - Answer-False
An individual debt collector can be personally sued under the FDCPA. - Answer-True
When communicating with a consumer, a debt collector: - Answer-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.
>> Can contact the consumer at work if it is not inconvenient for the consumer.
