The Fair Debtor and Creditor practices Act
The Fair Debt Collection Practices Act
The First Debt collectors Procedures Act
The Federal Debt Collectors Procedure Act
Eliminate abusive debt collection practices
Insure that debt collectors not using abusive tactics are not completely disadvantaged
Promote consistent State action to protect consumers against abusive collection practices.
All of the above
Ask the third party if the borrower still resides at the address provided on the work order.
Ask the third party if he/she knows the place of employment of the borrower
Discuss with the third party that the borrower owes a debt
None of the above
Between 7am-5pm Eastern Standard Time
Between 8am-9pm Local time at Consumer Locale
Between 5pm-9pm Pacific Standard time
Anytime after 8am Local time at Consumer Locale
Ask the borrower the name and phone number of the attorney
Write in your field report the borrowers claim of representation
Try and communicate again, at a later date, with the borrower after you have been advised of the representation
All of the above
Section 806
Section 805
Section 808
Section 809
True
False
True
False
True
False
True
False
True
False
True
False
True
False
True
False
True
False
True
False
FCRA
FDCPA
FDPCA
FICO
FCBA
True
False
True
False
If the consumer fails to follow up such request with a letter
If the debt collector has no other contact information even after making a reasonable effort to obtain another phone number
If the consumer works between 8:00am and 9:00pm
If the debt collector telephones the employer first and gets permission
Never
An attorney
The consumers parents, if the parents live with the consumer
The consumers children if they are over 18 years of age.
A person that the consumer has listed as a contact on the contract that created the debt
None of the above
I want to advise you this call may be recorded or monitored
I am a debt collector, and you have the right to not speak with me if you choose
This is an attempt to collect a debt, and any information will be used for that purpose
This is an attempt to collect a debt
None of the above
Always true
Always False
True as long as the debt collector never discloses the name of his company
True as long as the debt collector never discloses that the consumer owes a debt.
True, as long as the debt collector is unable to contact the consumer any other way
Abusive debt collection leads to marital instability
Abusive debt collection leads to bankruptcy
Abusive debt collection leads to invassion of privacy
None of the above
All of the above
True
False
If you lose you will have to pay the debt collectors attorney fees and/or cost
Even if you win you will still have to pay your attorney fees, so there is little point to do so
If you win, you are no longer responsible for any valid debt.
All of the above
None of the above
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