Fair Debt Collection Practices Exam 2026
Questions and Answers
Which of the following is the correct response to consumer written requests that
they not be contacted again by debt collectors? - Correct answer-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.
Which of the following communications would NOT be considered a deceptive
communication under the Fair Debt Collection Practices Act? - Correct answer-
Giving the consumer a disclosure that this is an attempt to collect a debt and any
information used will be used for that purpose
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, -A collector must send notice that a debt is disputed at the time of the report. The
collector must disclose in the first communication that the debt collector is trying
to collect a debt. Using communication formats that misrepresent the nature of the
message or convey a false sense of urgency is an abusive practice. Stating that
certain remedies will be taken when there is no present intention to do so is a
violation of the act.
When may a debt collector communicate with third parties about the consumer? -
Correct answer-To determine the consumer's location
-A debt collector may communicate with third parties about a consumer only to
determine the location of the consumer. The debt collector may only identify
himself or herself and should not identify his or her employer unless expressly
requested to do so.
Which of the following actions is NOT considered abuse or harassment under the
Fair Debt Collections Practice Act? - Correct answer-Providing a toll-free number
for the consumer to call to inquire about the debt
First Collection Company is collecting a debt from Louetta Pierce. Ms. Pierce
informs the company that she has hired an attorney to represent her. She gives the
collector the attorney's name and address. The collector calls the attorney and
leaves three messages with the attorney's secretary over a two-day time period.
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Questions and Answers
Which of the following is the correct response to consumer written requests that
they not be contacted again by debt collectors? - Correct answer-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.
Which of the following communications would NOT be considered a deceptive
communication under the Fair Debt Collection Practices Act? - Correct answer-
Giving the consumer a disclosure that this is an attempt to collect a debt and any
information used will be used for that purpose
©COPYRIGHT 2025, ALL RIGHTS RESERVE 1
, -A collector must send notice that a debt is disputed at the time of the report. The
collector must disclose in the first communication that the debt collector is trying
to collect a debt. Using communication formats that misrepresent the nature of the
message or convey a false sense of urgency is an abusive practice. Stating that
certain remedies will be taken when there is no present intention to do so is a
violation of the act.
When may a debt collector communicate with third parties about the consumer? -
Correct answer-To determine the consumer's location
-A debt collector may communicate with third parties about a consumer only to
determine the location of the consumer. The debt collector may only identify
himself or herself and should not identify his or her employer unless expressly
requested to do so.
Which of the following actions is NOT considered abuse or harassment under the
Fair Debt Collections Practice Act? - Correct answer-Providing a toll-free number
for the consumer to call to inquire about the debt
First Collection Company is collecting a debt from Louetta Pierce. Ms. Pierce
informs the company that she has hired an attorney to represent her. She gives the
collector the attorney's name and address. The collector calls the attorney and
leaves three messages with the attorney's secretary over a two-day time period.
©COPYRIGHT 2025, ALL RIGHTS RESERVE 2
