FDCPA Essentials For Collectors

30 Questions
FDCPA Quizzes & Trivia
Sample Question

How many times can a debt collector contact a third party to request location information regarding the consumer?

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Questions and Answers
  • 1. 
    How many times can a debt collector contact a third party to request location information regarding the consumer?
    • A. 

      2

    • B. 

      3

    • C. 

      1

    • D. 

      0

  • 2. 
    • A. 

      The consumer’s home address, home phone number and place of employment.

    • B. 

      The consumer’s home phone number, work phone number and place of employment.

    • C. 

      The consumer’s home address, cell phone number and place of employment.

    • D. 

      The consumer’s home phone number, work phone number and cell phone number.

  • 3. 
    Which of the following are right parties with whom you 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 consumer.

  • 4. 
    The FDCPA allows debt collectors to contact a consumer:
    • A. 

      Between 8:00 a.m. and 9:00 p.m. in the collector’s time zone.

    • B. 

      Between 8:00 a.m. and 9:00 p.m. in the consumer’s time zone.

    • C. 

      Between 9:00 a.m. and 8:00 p.m. in the consumer’s time zone.

    • D. 

      Between 9:00 a.m. and 8:00 p.m. in the collector’s time zone.

  • 5. 
    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 a consumer during the validation period.

  • 6. 
    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.
    • A. 

      True

    • B. 

      False

  • 7. 
    A debt collector may imply he is an attorney if the account will be forwarded to an attorney for collection. 
    • A. 

      True

    • B. 

      False

  • 8. 
    A consumer can dispute the debt after the Validation Period has expired. 
    • A. 

      True

    • B. 

      False

  • 9. 
    An individual debt collector can be personally sued under the FDCPA.
    • A. 

      True

    • B. 

      False

  • 10. 
    • 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.

  • 11. 
    • A. 

      Must disclose that the communication is from a debt collector.

    • B. 

      Must only communicate with the consumer once unless the debt collector believes the consumer has updated information.

    • C. 

      Must communicate with the consumer during business hours.

    • D. 

      Must not disclose his employer unless specifically requested.

  • 12. 
    The FDCPA is:
    • A. 

      A random set of letters.

    • 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.

  • 13. 
    A written refusal to pay a debt:
    • A. 

      Requires no response by a debt collector.

    • B. 

      Requires a debt collector to communicate with a consumer in writing.

    • C. 

      Requires a debt collector to communicate with a consumer by telephone.

    • D. 

      Requires a debt collector to cease communicating with a consumer regarding the debt.

  • 14. 
    A debt collector can overshadow the Validation Period by:
    • A. 

      Requesting payment in the first collection call.

    • B. 

      Offering a settlement that expires after the validation period expires.

    • C. 

      Demanding immediate payment during the validation period.

    • D. 

      Not offering a settlement.

  • 15. 
    • A. 

      Provide written notice of the intent to deposit a check post dated by more than 5 days

    • B. 

      Contact a consumer between 10:00 a.m. and 7:00 p.m. in the collector’s time zone.

    • C. 

      Contact a third party repeatedly to obtain location information.

    • D. 

      Increase the amount of the debt if the consumer does not pay.

  • 16. 
    A debt collector can provide information regarding a debt to a third party if the consumer gives permission to disclose the information.
    • A. 

      True

    • B. 

      False

  • 17. 
    When a consumer disputes a debt, the debt collector must:
    • A. 

      Continue regular collection efforts.

    • B. 

      Not apply payments to the disputed portion of the debt

    • C. 

      Explain the consumer’s wages will be garnished.

    • D. 

      File suit to collect the debt.

  • 18. 
    A debt collector who violates the FDCPA can be liable for:
    • A. 

      A minimum of $1,000 in statutory damages.

    • B. 

      Actual damages of $1,000 per violation.

    • C. 

      Statutory damages of up to $1,000 and attorney’s fees.

    • D. 

      Debt collectors cannot be sued under the FDCPA.

  • 19. 
    The Fair Debt Collection Practices Act is designed to:
    • A. 

      Make debt collection more difficult.

    • B. 

      Allow consumers to discharge their past due debts.

    • C. 

      Handcuff debt collectors with onerous provisions.

    • D. 

      Eliminate abusive collection efforts.

  • 20. 
    A consumer’s verbal request for a debt collector to cease communication:
    • A. 

      Provides notice that the time or place of the communication might be inconvenient for the consumer.

    • B. 

      Has no impact on debt collection efforts.

    • C. 

      Has the same impact as a written cease communication request.

    • D. 

      Has the same impact as a written refusal to pay.

  • 21. 
    • A. 

      A debt collector may communicate with the consumer or the attorney and attempt to obtain location information from third parties.

    • B. 

      A debt collector may communicate with the attorney and attempt to obtain location information from third parties.

    • C. 

      A debt collector may communicate with the attorney only.

    • D. 

      A debt collector must cease all communications regarding the debt.

  • 22. 
    A debt collector does not violate the FDCPA by belittling or embarrassing the consumer.
    • A. 

      True

    • B. 

      False

  • 23. 
    A debt collector may tell a consumer he has committed a crime by failing to pay the debt.
    • A. 

      True

    • B. 

      False

  • 24. 
    When communicating with a consumer, a debt collector must identify herself and disclose the purpose of the communication.
    • A. 

      True

    • B. 

      False

  • 25. 
    A debt collector can overshadow the validation period in collection letters, but not in collection calls.
    • A. 

      True

    • B. 

      False

  • 26. 
    A debt collector can avoid FDCPA liability by having procedures in place to avoid FDCPA violations and errors.
    • A. 

      True

    • B. 

      False

  • 27. 
    To cease collection attempts at the place of employment, a consumer:
    • A. 

      Must notify a debt collector verbally or in writing that he cannot take calls at work.

    • B. 

      Must send a written notice enclosing the employer’s policy regarding personal calls at work.

    • C. 

      Must have his employer contact the debt collector to provide notice.

    • D. 

      Cannot stop collection attempts at the place of employment.

  • 28. 
    A consumer’s written dispute during the Validation Period:
    • A. 

      Has no impact on collection efforts.

    • B. 

      Requires the debt collector to cease communication and provide verification of the debt.

    • C. 

      Requires the debt collector to provide verification of the debt, but collection efforts may continue.

    • D. 

      Requires the creditor to contact the consumer to provide verification of the debt.

  • 29. 
    • A. 

      If you do not pay this debt immediately we will bring suit against you.

    • B. 

      You can avoid having a lawsuit brought against you if settle your account with a 50% payment within 5 days.

    • C. 

      This debt is seriously delinquent. The balance in full is due.

    • D. 

      You have to request validation or pay within 20 days.

  • 30. 
    The Fair Debt Collection Practices Act:
    • A. 

      Applies to first party credit grantors.

    • B. 

      Applies to written communications, but not verbal communications.

    • C. 

      Was enacted to eliminate abusive, deceptive and unfair debt collection practices.

    • D. 

      Was enacted to encourage consumers to file bankruptcy.