FAIR DEBT COLLECTION PRACTICES
EXAM QUESTIONS WITH 100%
CORRECT ANSWERS | LATEST
VERSION 2025/2026.
Which of the following is the correct response to consumer written requests that they not be
contacted again by debt collectors? - ANS 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? - ANS Giving the consumer a disclosure that this
is an attempt to collect a debt and any information used will be used for that purpose
-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? - ANS To
determine the consumer's location
1 | Page @COPYRIGHT 2025/2026 ALLRIGHTS RESERVED
EXAM QUESTIONS WITH 100%
CORRECT ANSWERS | LATEST
VERSION 2025/2026.
Which of the following is the correct response to consumer written requests that they not be
contacted again by debt collectors? - ANS 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? - ANS Giving the consumer a disclosure that this
is an attempt to collect a debt and any information used will be used for that purpose
-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? - ANS To
determine the consumer's location
1 | Page @COPYRIGHT 2025/2026 ALLRIGHTS RESERVED
