FDCPA FINAL PAPER QUESTIONS AND
SOLUTIONS
◉ What should you not ask a third party during skip tracing?
Answer: Alternative numbers or names of other friends or
relatives.
◉ What is the 'mini Miranda'?
Answer: A disclosure that informs the consumer that
communication is from a debt collector and that any information
obtained will be used to collect a debt.
◉ When should the mini Miranda be provided?
Answer: After identifying the consumer and before discussing any
debt information.
◉ What should be documented if a wrong number is reached
during a call?
Answer: Document the wrong number in your call notes.
◉ What happens if a consumer states they have an attorney
handling their debt?
Answer: Communication with the consumer must stop and go
through the attorney.
, ◉ What is required if an attorney does not respond within a
reasonable time?
Answer: You may go back to the consumer again.
◉ What is a Power of Attorney (POA) in debt collection?
Answer: An individual who has been given permission to act on
behalf of the consumer.
◉ What must a consumer do to allow communication with a
credit counseling service?
Answer: The consumer must give consent.
◉ What is the validation notice in debt collection?
Answer: A notice that provides consumers with information about
the nature of the debt.
◉ How long does a consumer have to dispute a debt after
receiving a validation notice?
Answer: 30 days.
◉ What must collectors provide within 5 days of initial
communication?
Answer: Validation information in writing.
◉ What does Regulation F provide guidance on?
SOLUTIONS
◉ What should you not ask a third party during skip tracing?
Answer: Alternative numbers or names of other friends or
relatives.
◉ What is the 'mini Miranda'?
Answer: A disclosure that informs the consumer that
communication is from a debt collector and that any information
obtained will be used to collect a debt.
◉ When should the mini Miranda be provided?
Answer: After identifying the consumer and before discussing any
debt information.
◉ What should be documented if a wrong number is reached
during a call?
Answer: Document the wrong number in your call notes.
◉ What happens if a consumer states they have an attorney
handling their debt?
Answer: Communication with the consumer must stop and go
through the attorney.
, ◉ What is required if an attorney does not respond within a
reasonable time?
Answer: You may go back to the consumer again.
◉ What is a Power of Attorney (POA) in debt collection?
Answer: An individual who has been given permission to act on
behalf of the consumer.
◉ What must a consumer do to allow communication with a
credit counseling service?
Answer: The consumer must give consent.
◉ What is the validation notice in debt collection?
Answer: A notice that provides consumers with information about
the nature of the debt.
◉ How long does a consumer have to dispute a debt after
receiving a validation notice?
Answer: 30 days.
◉ What must collectors provide within 5 days of initial
communication?
Answer: Validation information in writing.
◉ What does Regulation F provide guidance on?
