FDCPA – Fair Debt Collection Practices Act Study Guide
How many times can a debt collector contact a third party to request a location information
regarding the consumer? - correct answer ✔✔ one
what information can you request from a third party? - correct answer ✔✔ The consumer's
home address, home phone, and place of employment
which of the following are right parties with whom can always discuss the debt?
a) the consumer's parents
b)the consumer's employer
c) the consumer's accountant
d) the executor of the estate of a deceased - correct answer ✔✔ D
the FDCPA allows debt collectors to contact a consumer between what hours - correct answer
✔✔ 8am- 9pm
a debt collector may not:
a) use an alias when attempting to collect a debt
b) use a post card to attempt to collect a debt
c) disclose the debt to a consumer's attorney
d) contact consumer during the validation period - correct answer ✔✔ B
True/False: 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 - correct answer ✔✔
False
, True/ False: a debt collector may imply he is an attorney if the account will be forwarded to an
attorney for collection - correct answer ✔✔ false
True/False: a consumer can dispute the debt after validation period has expired - correct answer
✔✔ true
True/False: an individual debt collector can be personally sued under the FDCPA - correct
answer ✔✔ True
When communicating with a consumer a debt collector:
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
d) can contact the consumer at work if it is not inconvenient for the consumer - correct answer
✔✔ D
When communicating with the consumer, the debt collector must:
a) disclose that the info is from a debt collector
b) only communicate with the consumer once unless the debt collector believes the consumer
has updated information
c) communicate with the consumer during business hours
d) not disclose his employer unless specifically requested - correct answer ✔✔ a
The FDCPA is:
a) federal debt collectors participants agreement
b) a federal law governing the ethical collection of past due debts
c) the federal government agency enforcing debt collection laws
d) a trade association for credit and collection professionals - correct answer ✔✔ B
How many times can a debt collector contact a third party to request a location information
regarding the consumer? - correct answer ✔✔ one
what information can you request from a third party? - correct answer ✔✔ The consumer's
home address, home phone, and place of employment
which of the following are right parties with whom can always discuss the debt?
a) the consumer's parents
b)the consumer's employer
c) the consumer's accountant
d) the executor of the estate of a deceased - correct answer ✔✔ D
the FDCPA allows debt collectors to contact a consumer between what hours - correct answer
✔✔ 8am- 9pm
a debt collector may not:
a) use an alias when attempting to collect a debt
b) use a post card to attempt to collect a debt
c) disclose the debt to a consumer's attorney
d) contact consumer during the validation period - correct answer ✔✔ B
True/False: 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 - correct answer ✔✔
False
, True/ False: a debt collector may imply he is an attorney if the account will be forwarded to an
attorney for collection - correct answer ✔✔ false
True/False: a consumer can dispute the debt after validation period has expired - correct answer
✔✔ true
True/False: an individual debt collector can be personally sued under the FDCPA - correct
answer ✔✔ True
When communicating with a consumer a debt collector:
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
d) can contact the consumer at work if it is not inconvenient for the consumer - correct answer
✔✔ D
When communicating with the consumer, the debt collector must:
a) disclose that the info is from a debt collector
b) only communicate with the consumer once unless the debt collector believes the consumer
has updated information
c) communicate with the consumer during business hours
d) not disclose his employer unless specifically requested - correct answer ✔✔ a
The FDCPA is:
a) federal debt collectors participants agreement
b) a federal law governing the ethical collection of past due debts
c) the federal government agency enforcing debt collection laws
d) a trade association for credit and collection professionals - correct answer ✔✔ B
