1
FDCPA Test Questions with Correct Answers
| Updated (100% Correct Answers)
True or False...
The FDCPA allows professional collectors to contact customers
between 8 am and 9 pm local time for customers. Answer: True
(805)!
True or False...
The FDCPA takes precedence over any state laws governing debt
collection. Answer: False (816)@
A validation is Answer: An explanation of what an agency must do
if a debt is disputed. Required by FDCPA. Or a written statement of
the customer's right to dispute a debt. (809)
True or False...
A professional debt collector should not continue communicating
with the customer when the collector knows the customer is
represented by an attorney. Answer: True (805)#
True or False...
A collection agency is allowed to refer to legal action only if the
creditor actually intends to proceed with legal action on the account
© 2025 All rights reserved
, 2
on which the professional debt is attempting collection. Answer:
True (804)$
Location information is a customer's... Answer: Place of
residence,home phone number and place of employment. (804)
Professional debt collectors should never use obscene or profane
language. Answer: True (806)%
After a collector receives notice from the customer to stop
communication the collector may: Answer: Inform the customer that
further collection efforts will cease, and list all the alternatives
available. (805)
A professional debt collector may communicate to a customer that
a judgement has been obtained and wages may be garnished, if:
Answer: A judgement has been obtained and the agency's next
action will be to execute it through garnishment. (807)
True or False...
Under the FDCPA, individual collectors are permitted to use an alias
if they use it constantly. Answer: True (804)^
True or False...
Professional debt collectors may ask a customer's neighbor to aide
in the collection of debt. Answer: False (805)&
© 2025 All rights reserved
FDCPA Test Questions with Correct Answers
| Updated (100% Correct Answers)
True or False...
The FDCPA allows professional collectors to contact customers
between 8 am and 9 pm local time for customers. Answer: True
(805)!
True or False...
The FDCPA takes precedence over any state laws governing debt
collection. Answer: False (816)@
A validation is Answer: An explanation of what an agency must do
if a debt is disputed. Required by FDCPA. Or a written statement of
the customer's right to dispute a debt. (809)
True or False...
A professional debt collector should not continue communicating
with the customer when the collector knows the customer is
represented by an attorney. Answer: True (805)#
True or False...
A collection agency is allowed to refer to legal action only if the
creditor actually intends to proceed with legal action on the account
© 2025 All rights reserved
, 2
on which the professional debt is attempting collection. Answer:
True (804)$
Location information is a customer's... Answer: Place of
residence,home phone number and place of employment. (804)
Professional debt collectors should never use obscene or profane
language. Answer: True (806)%
After a collector receives notice from the customer to stop
communication the collector may: Answer: Inform the customer that
further collection efforts will cease, and list all the alternatives
available. (805)
A professional debt collector may communicate to a customer that
a judgement has been obtained and wages may be garnished, if:
Answer: A judgement has been obtained and the agency's next
action will be to execute it through garnishment. (807)
True or False...
Under the FDCPA, individual collectors are permitted to use an alias
if they use it constantly. Answer: True (804)^
True or False...
Professional debt collectors may ask a customer's neighbor to aide
in the collection of debt. Answer: False (805)&
© 2025 All rights reserved
