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FDCPA Exam Questions with Correct
Answers | Updated (100% Correct Answers)
According to the FDCPA only, in a community property state, you
may speak with the consumer's spouse in connection with the
collection of a debt. (T/F)? Answer: TRUE- can always speak with
spouse in a community property state
In a non-community property state, you may speak with the
consumer's spouse in connection with the collection of a debt.
(T/F)? Answer: FALSE
FALSE- If they are requesting validation we can't use against them in
court Answer: If the consumer fails to dispute the validity of a debt,
it constitutes an admission of liability that can be used against them
in court. (T/F)?
Per P&F requirements, when leaving a message on a consumer's
answering machine you must also leave a 'mini miranda' (T/F)?
Answer: TRUE
If the consumer has multiple accounts that this office is collecting
on, the consumer can state how they wish for their payment to be
applied on those accounts (T/F)? Answer: TRUE- consumer can pay
$75 on one account and pay $25 on another account
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, 2
After a debt collector knows that an attorney represents a
consumer, the debt collector is still permitted to contact 3rd parties
for the purpose of skip-tracing the consumer (T/F)? Answer: FALSE-
no skip tracing if they are represented by an attorney
According the FDCPA, the term communication means only verbal
communications, and not written communications made directly, or
indirectly, to any person. (T/F)? Answer: FALSE
An attorney who represents a consumer on one P&F account can
prohibit debt collection on another account that P&F is collecting
on, even if the attorney does not represent the consumer on that
account (T/F)? Answer: FALSE- I would need to confirm what
account the attorney is on
When obtaining location information for skip tracing, prior to
requesting any information you are required to disclose that you are
attempting to locate the consumer. (T/F)? Answer: TRUE- We don't
contact 3rd parties for skip tracing. We don't call neighbors or
employers for skip tracing
A violation under the FDCPA is determined by applying the "Most
Sophisticated Consumer" standard. (T/F)? Answer: FALSE- not a
violation, so false
© 2025 All rights reserved
FDCPA Exam Questions with Correct
Answers | Updated (100% Correct Answers)
According to the FDCPA only, in a community property state, you
may speak with the consumer's spouse in connection with the
collection of a debt. (T/F)? Answer: TRUE- can always speak with
spouse in a community property state
In a non-community property state, you may speak with the
consumer's spouse in connection with the collection of a debt.
(T/F)? Answer: FALSE
FALSE- If they are requesting validation we can't use against them in
court Answer: If the consumer fails to dispute the validity of a debt,
it constitutes an admission of liability that can be used against them
in court. (T/F)?
Per P&F requirements, when leaving a message on a consumer's
answering machine you must also leave a 'mini miranda' (T/F)?
Answer: TRUE
If the consumer has multiple accounts that this office is collecting
on, the consumer can state how they wish for their payment to be
applied on those accounts (T/F)? Answer: TRUE- consumer can pay
$75 on one account and pay $25 on another account
© 2025 All rights reserved
, 2
After a debt collector knows that an attorney represents a
consumer, the debt collector is still permitted to contact 3rd parties
for the purpose of skip-tracing the consumer (T/F)? Answer: FALSE-
no skip tracing if they are represented by an attorney
According the FDCPA, the term communication means only verbal
communications, and not written communications made directly, or
indirectly, to any person. (T/F)? Answer: FALSE
An attorney who represents a consumer on one P&F account can
prohibit debt collection on another account that P&F is collecting
on, even if the attorney does not represent the consumer on that
account (T/F)? Answer: FALSE- I would need to confirm what
account the attorney is on
When obtaining location information for skip tracing, prior to
requesting any information you are required to disclose that you are
attempting to locate the consumer. (T/F)? Answer: TRUE- We don't
contact 3rd parties for skip tracing. We don't call neighbors or
employers for skip tracing
A violation under the FDCPA is determined by applying the "Most
Sophisticated Consumer" standard. (T/F)? Answer: FALSE- not a
violation, so false
© 2025 All rights reserved
