FDCPA Test
FDCPA TEST FOR COLLECTORS
- 1.
Wich of the following is the primary law that regulates debt collecting?
- A.
FCRA
- B.
FDCPA
- C.
FDPCA
- D.
FICO
- E.
FCBA
Correct Answer
B. FDCPA -
- 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
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 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
Correct Answer
E. NEVER -
- 5.
A debt collector may normally discuss a consumer debt only with the consumer and the following people.
- 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
Correct Answer
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
Correct Answer
A. 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, you can only be awarded up to $1000.00 in damages
- A.
TRUE
- B.
FALSE
Correct Answer
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
Correct Answer
E. NONE OF THE ABOVE -
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Current Version
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May 12, 2015Quiz Edited by
ProProfs Editorial Team -
May 12, 2015Quiz Created by
Gward9
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