FDCPA Test 12-30-09
FDCPA testing for all staff.
- 1.
Wich of the following is the primary law that regulates debt collecting?
- A.
FCRA
- B.
FDCPA
- C.
FDPCA
- D.
HITECH
- E.
FCBTA
Correct Answer
B. FDCPA -
- 2.
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.
- A.
TRUE
- B.
FALSE
Correct Answer
A. TRUE -
- 3.
Acording to the FDCPA, a debt collector may not use abusive or obscene language.
- A.
TRUE
- B.
FALSE
Correct Answer
A. TRUE -
- 4.
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.
- A.
ALWAYS
- B.
SOMETIMES
- C.
NEVER
- D.
IF THE CONSUMER WORKS BETWEEN 8 AND 5
- E.
IF THE COLLECTOR HAS THE EMPLOYERS PERSMISSION
Correct Answer
C. NEVER -
- 5.
A debt collector may normally discuss a consumer debt only with the consumer and the following people.
- A.
THE CONSUMER'S CHILDREN
- B.
AN ATTORNEY
- C.
AN ATTORNEY REPRESENTING THE CONSUMER ON THE SPECIFIC DEBT
- D.
THE EMPLOYER OF THE CONSUMER
- E.
THE NEIGHBOR OF THE CONSUMER, WHO HAS ADDITIONAL INFORMATION ABOUT A NEW PLACE OF EMPLOYMENT
Correct Answer
C. AN ATTORNEY REPRESENTING THE CONSUMER ON THE SPECIFIC DEBT -
- 6.
The following is commonly called the "mini-miranda" pursuant to 15 U.S.C. 1692e(11).
- A.
THIS IS A CALL ABOUT A DEBT ANYTHING YOU SAY CAN BE USED AGAINST YOU FOR THAT PURPOSE
- B.
THIS IS AN ATTEMPT TO COLLECT A DEBT, AND ANY INFORMATION WILL BE USED FOR THAT PURPUSE
- C.
YOU HAVE A DEBT, AND YOU NEED TO SETTLE IT NOW
- D.
THE INFORMATION RECEIVED DURING THIS CALL WILL BE USED TO COLLECT ON YOUR PAST DUE ACCOUNTS
Correct Answer
B. THIS IS AN ATTEMPT TO COLLECT A DEBT, AND ANY INFORMATION WILL BE USED FOR THAT PURPUSE -
- 7.
If a debt collector calls a third party, that may not be a violation of the FDCPA, (Choose the best answer.)
- A.
ALWAYS TRUE
- B.
ALWAYS FALSE
- C.
TRUE, AS LONG AS THE DEBT COLLECTOR NEVER DISCLOSES THE NAME OF HIS COMPANY.
- D.
TRUE, AS LONG AS THE DEBT COLLECTOR NEVER DISCLOSES THAT THE CONSUMER OWES A DEBT.
- E.
TRUE, AS LONG AS THE DEBT COLLECTOR IS UNABLE TO CONTACT THE CONSUMER ANY OTHER WAY
Correct Answer
D. TRUE, AS LONG AS THE DEBT COLLECTOR NEVER DISCLOSES THAT THE CONSUMER OWES A DEBT. -
- 8.
With regard to debt collection, Congress has found what?
- A.
ABUSIVE DEBT COLLECTION LEADS TO MARITAL INSTABILITY
- B.
ABUSIVE DEBT COLLECTION LEADS TO BANKRUPTCY
- C.
ABUSIVE DEBT COLLECTION LEADS TO INVASSION OF PRIVACY
- D.
NONE OF THE ABOVE
- E.
ALL OF THE ABOVE
Correct Answer
E. ALL OF THE ABOVE -
- 9.
UNDER THE FDCPA COLLECTORS AND COLLECTION AGENCIES CAN BOTH BE HELD RESPONSIBLE FOR VIOLATIONS.
- A.
TRUE
- B.
FALSE
Correct Answer
A. TRUE -
- 10.
FDCPA STANDS FOR WHAT?
- A.
FAMILIES DON'T CREATE POLITICAL AFFILIATIONS
- B.
FAIR DEBT COMPANY POLICY ASSETS
- C.
FAIR DEBT COLLECTION PRACTICES ACT
- D.
FRIENDS DON'T CARE PROBABLY ANYWAY
- E.
FEDERAL DEBT COMPLIANCE PROCEDURES ACT
Correct Answer
C. FAIR DEBT COLLECTION PRACTICES ACT -
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Current Version
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Jan 09, 2013Quiz Edited by
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Dec 30, 2009Quiz Created by
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