FDCPA COMPREHENSIVE TEST PAPER
WITH SOLVED QUESTIONS
◉ C-I-A
Answer: Client's permission, Intent, Authority.
◉ Mini Miranda
Answer: Must be given on every communication with the
consumer, both oral and written.
◉ Who can a collector communicate information about the debt
without permission from the consumer?
Answer: Spouse, legal guardian, consumer's attorney, client's
attorney, collection agency's attorney.
◉ Statute of Limitations for Suing a Collection Agency or Collector
Answer: 1 year.
◉ Amount a Collector can be Sued For
Answer: $1000 per violation.
◉ Aliases Used by a Collector
Answer: 1 alias according to the FDCPA.
, ◉ Contacting a Spouse's Place of Employment
Answer: Allowed unless specified as inconvenient and state laws
do not prohibit such contact.
◉ Contacting a Consumer's Employer
Answer: Only allowed to skip trace or verify employment.
◉ What is an Inconvenient Contact Time?
Answer: Anytime outside 8 AM - 9 PM, any time or place known or
that should be known to be inconvenient.
◉ What is a Convenient Contact Time According to the FDCPA?
Answer: 8 AM - 9 PM in consumer's time zone.
◉ When must the Mini Miranda be stated?
Answer: On every communication with the consumer, both oral
and written.
◉ Who can sue a debt collector?
Answer: Anyone.
◉ Validation Notice
WITH SOLVED QUESTIONS
◉ C-I-A
Answer: Client's permission, Intent, Authority.
◉ Mini Miranda
Answer: Must be given on every communication with the
consumer, both oral and written.
◉ Who can a collector communicate information about the debt
without permission from the consumer?
Answer: Spouse, legal guardian, consumer's attorney, client's
attorney, collection agency's attorney.
◉ Statute of Limitations for Suing a Collection Agency or Collector
Answer: 1 year.
◉ Amount a Collector can be Sued For
Answer: $1000 per violation.
◉ Aliases Used by a Collector
Answer: 1 alias according to the FDCPA.
, ◉ Contacting a Spouse's Place of Employment
Answer: Allowed unless specified as inconvenient and state laws
do not prohibit such contact.
◉ Contacting a Consumer's Employer
Answer: Only allowed to skip trace or verify employment.
◉ What is an Inconvenient Contact Time?
Answer: Anytime outside 8 AM - 9 PM, any time or place known or
that should be known to be inconvenient.
◉ What is a Convenient Contact Time According to the FDCPA?
Answer: 8 AM - 9 PM in consumer's time zone.
◉ When must the Mini Miranda be stated?
Answer: On every communication with the consumer, both oral
and written.
◉ Who can sue a debt collector?
Answer: Anyone.
◉ Validation Notice
