FDCPA Test

10 Questions
FDCPA Quizzes & Trivia

FDCPA TEST FOR COLLECTORS

Sample Question

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

FCRA

FDCPA

FDPCA

FICO

FCBA

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Questions and Answers
  • 1. 
    Wich of the following is the primary law that regulates debt collecting?
    • A. 

      FCRA

    • B. 

      FDCPA

    • C. 

      FDPCA

    • D. 

      FICO

    • E. 

      FCBA

  • 2. 
    If a consumer notifies a debt collector in writing that the consumer refuses to pay a consumer debt or requests the debt collector cease communicating with the consumer, the debt collector must stop contacting the consumer. 
    • A. 

      TRUE

    • B. 

      FALSE

  • 3. 
    Acording to the FDCPA, a debt collector may not use abusive or obscene language.
    • A. 

      TRUE

    • B. 

      FALSE

  • 4. 
    A debt collector may telephone 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. 

      IF THE CONSUMER FAILS TO FOLLOW UP SUCH REQUEST WITH A LETTER

    • B. 

      IF THE DEBT COLLECTOR HAS NO OTHER CONTACT INFORMATION EVEN AFTER MAKING A REASONABLE EFFORT TO OBTAIN ANOTHER PHONE NUMBER

    • C. 

      IF THE CONSUMER WORKS BETWEEN 8:00AM AND 9:00PM

    • D. 

      IF THE DEBT COLLECTOR TELEPHONES THE EMPLOYER FIRST AND GETS PERMISSION

    • E. 

      NEVER

  • 5. 
    • A. 

      AN ATTORNEY

    • B. 

      THE CONSUMER'S PARENTS, IF THE PARENTS LIVE WITH THE CONSUMER

    • C. 

      THE CONSUMER'S CHILDREN IF THEY ARE OVER 18 YEARS OF AGE

    • D. 

      A PERSON THAT THE CONSUMER HAS LISTED AS A "CONTACT" ON THE CONTRACT THAT CREATED THE DEBT

    • E. 

      NONE OF THE ABOVE

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

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

    • B. 

      I AM A DEBT COLLECTOR, AND YOU HAVE THE RIGHT TO NOT SPEAK WITH ME IF YOU CHOOSE

    • C. 

      I WANT TO ADVISE YOU THIS CALL MAY BE RECORDED OR MONITORED

    • D. 

      THIS IS AN ATTEMPT TO COLLECT A DEBT,

    • E. 

      NONE OF THE ABOVE

  • 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

  • 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

  • 9. 
    Under the FDCPA, you can only be awarded up to $1000.00 in damages
    • A. 

      TRUE

    • B. 

      FALSE

  • 10. 
    In good faith, you bring a lawsuit against an abusive debt collector.
    • A. 

      IF YOU LOSE YOU WILL HAVE TO PAY THE DEBT COLLECTOR'S ATTORNEY FEES AND/OR COST

    • B. 

      EVEN IF YOU WIN YOU WILL STILL HAVE TO PAY YOUR ATTORNEY FEES, SO THERE IS LITTLE POINT TO DO SO

    • C. 

      IF YOU WIN, YOU ARE NO LONGER RESPONSIBLE FOR ANY VALID DEBT.

    • D. 

      ALL OF THE ABOVE

    • E. 

      NONE OF THE ABOVE