FDCPA Test 12-30-09

1. Acording to the FDCPA, a debt collector may not use abusive or obscene language.

TRUE

FALSE

2. UNDER THE FDCPA COLLECTORS AND COLLECTION AGENCIES CAN BOTH BE HELD RESPONSIBLE FOR VIOLATIONS.

TRUE

FALSE

3. Wich of the following is the primary law that regulates debt collecting?

FCRA

FDCPA

FDPCA

HITECH

FCBTA

4. FDCPA STANDS FOR WHAT?

FAMILIES DON'T CREATE POLITICAL AFFILIATIONS

FAIR DEBT COMPANY POLICY ASSETS

FAIR DEBT COLLECTION PRACTICES ACT

FRIENDS DON'T CARE PROBABLY ANYWAY

FEDERAL DEBT COMPLIANCE PROCEDURES ACT

5. A debt collector may call a consumer about a consumer debt at the consumers place of employment after the consumer tells the debt collector he cannot receive such telephone calls.

ALWAYS

SOMETIMES

NEVER

IF THE CONSUMER WORKS BETWEEN 8 AND 5

IF THE COLLECTOR HAS THE EMPLOYERS PERSMISSION

6. The following is commonly called the "mini-miranda" pursuant to 15 U.S.C. 1692e(11).

THIS IS A CALL ABOUT A DEBT ANYTHING YOU SAY CAN BE USED AGAINST YOU FOR THAT PURPOSE

THIS IS AN ATTEMPT TO COLLECT A DEBT, AND ANY INFORMATION WILL BE USED FOR THAT PURPUSE

YOU HAVE A DEBT, AND YOU NEED TO SETTLE IT NOW

THE INFORMATION RECEIVED DURING THIS CALL WILL BE USED TO COLLECT ON YOUR PAST DUE ACCOUNTS

7. A debt collector may normally discuss a consumer debt only with the consumer and the following people.

THE CONSUMER'S CHILDREN

AN ATTORNEY

AN ATTORNEY REPRESENTING THE CONSUMER ON THE SPECIFIC DEBT

THE EMPLOYER OF THE CONSUMER

THE NEIGHBOR OF THE CONSUMER, WHO HAS ADDITIONAL INFORMATION ABOUT A NEW PLACE OF EMPLOYMENT

8. If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or requests the debt collector cease communicating with them, the debt collector must stop contacting the consumer.

TRUE

FALSE

9. If a debt collector calls a third party, that may not be a violation of the FDCPA, (Choose the best answer.)

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

10. With regard to debt collection, Congress has found what?

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

FDCPA Test 12-30-09

1. Acording to the FDCPA, a debt collector may not use abusive or obscene language.

2.

What first name or nickname would you like us to use?

2. UNDER THE FDCPA COLLECTORS AND COLLECTION AGENCIES CAN BOTH BE HELD RESPONSIBLE FOR VIOLATIONS.

3. Wich of the following is the primary law that regulates debt collecting?

4. FDCPA STANDS FOR WHAT?

5. A debt collector may call a consumer about a consumer debt at the consumers place of employment after the consumer tells the debt collector he cannot receive such telephone calls.

6. The following is commonly called the "mini-miranda" pursuant to 15 U.S.C. 1692e(11).

7. A debt collector may normally discuss a consumer debt only with the consumer and the following people.

8. If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or requests the debt collector cease communicating with them, the debt collector must stop contacting the consumer.

9. If a debt collector calls a third party, that may not be a violation of the FDCPA, (Choose the best answer.)

10. With regard to debt collection, Congress has found what?