The 'FDCPA TEST - II Attempt' assesses knowledge of the Fair Debt Collection Practices Act (FDCPA), focusing on legal restrictions and rights related to debt collection. It verifies understanding of consumer rights, prohibited practices for debt collectors, and legal communication guidelines.
TRUE
FALSE
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TRUE
FALSE
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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
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THIS IS AN ATTEMPT TO COLLECT A DEBT, AND ANY INFORMATION WILL BE USED FOR THAT PURPUSE
I AM A DEBT COLLECTOR, AND YOU HAVE THE RIGHT TO NOT SPEAK WITH ME IF YOU CHOOSE
I WANT TO ADVISE YOU THIS CALL MAY BE RECORDED OR MONITORED
THIS IS AN ATTEMPT TO COLLECT A DEBT,
NONE OF THE ABOVE
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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
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TRUE
FALSE
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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
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IF YOU LOSE YOU WILL HAVE TO PAY THE DEBT COLLECTOR'S 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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AN ATTORNEY
THE CONSUMER'S PARENTS, IF THE PARENTS LIVE WITH THE CONSUMER
THE CONSUMER'S 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
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