Debt Collection & Debt Collection Abuse

10 Questions | Total Attempts: 92

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Abuse Quizzes & Trivia

What do you do when a debt collector starts contacting you about a bad debt? The Federal Trade Commission, the nation’s consumer protection agency, enforces the Fair Debt Collection Practices Act (FECPA. ) With the nation struggling to recover from a recession, how much do you know about your rights when it comes to debt collection?


Questions and Answers
  • 1. 
    What types of Debt are covered under the FDCPA?
    • A. 

      Personal debts such as credit cards, auto loans and medical bill

    • B. 

      Only credit card debt

    • C. 

      Business debt

    • D. 

      All of the above

    • E. 

      None of the above

  • 2. 
    When can a debt collector contact me?
    • A. 

      Between 8am and 8pm

    • B. 

      Between 8am and 9pm

    • C. 

      Between 9pm and midnight

  • 3. 
    You can stop a debt collector from contacting you?
    • A. 

      True

    • B. 

      False

  • 4. 
    Who can a debt collector contact to discuss my debt?
    • A. 

      Only me

    • B. 

      Only me and my spouse

    • C. 

      Only me, my spouse and my attorney

    • D. 

      Anyone

  • 5. 
    What classifies as debt collection harassment?
    • A. 

      Threats of violence or harm

    • B. 

      Obscene or profane language

    • C. 

      Repeatedly using the phone to annoy someone

    • D. 

      All of the above

  • 6. 
    Debt collectors are allowed to lie and fib while trying to collect a debt
    • A. 

      True

    • B. 

      False

  • 7. 
    In Florida what is the statue of limitations- or the time you can be sued for a written contract debt? A written contract is an agreement made on a printed document that has been signed by both the lender and the borrower.
    • A. 

      1 year

    • B. 

      2 years

    • C. 

      5 years

    • D. 

      7 years

    • E. 

      10 years

  • 8. 
    Does being the victim of identity theft stop debt collectors?
    • A. 

      Yes

    • B. 

      No

    • C. 

      Yes, Only if you can prove you are a victim of identity theft

  • 9. 
    In Florida, it is legal to secretly record your phone conversation with a debt collector.
    • A. 

      True

    • B. 

      False

  • 10. 
    What is the statute of limitations to pursue a debt collector that has violated the law?
    • A. 

      1 year

    • B. 

      5 years

    • C. 

      There isn’t a statute of limitations

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