FDCPA

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

True

False

2. What does "FDCPA" stand for?

The Fair Debtor and Creditor practices Act

The Fair Debt Collection Practices Act

The First Debt collectors Procedures Act

The Federal Debt Collectors Procedure Act

3. As a field contact specialist your goal is to contact the borrower directly. The FDCPA allows you to assume, unless otherwise notified, that the convenient time to communicate with a borrower is:

Between 7am-5pm Eastern Standard Time

Between 8am-9pm Local time at Consumer Locale

Between 5pm-9pm Pacific Standard time

Anytime after 8am Local time at Consumer Locale

4. 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.

True

False

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

FCRA

FDCPA

FDPCA

FICO

FCBA

6. The FDCPA states that making calls to a borrower at his/her place of imployment is prohibited if you have reason to believe that the employer prhibits such activity.

True

False

7. 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.

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

8. A debt collector may not sue any false representation or deceptive in connection with the collection of the debt.

True

False

9. When leaving behind a contact letter, it is okay to write on the outside of the "Personal and COnfidential" envelope the name of the lender and the amount of the unpaid debt

True

False

10. If you are interviewing a neighbor of the consumer to verify location information, the "FDCPA" forbids you to:

Ask the third party if the borrower still resides at the address provided on the work order.

Ask the third party if he/she knows the place of employment of the borrower

Discuss with the third party that the borrower owes a debt

None of the above

11. If you contact a relative of the borrower who has prior knowledge of the borrowers debt information, the relative may grant you permission to discuss the details of such debt information.

True

False

12. The FDCPA allows you to advise the borrower that failure to respond to the lender will result in legal action whether such action is intended to be taken or not.

True

False

13. 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

14. The purpose of the "FDCPA" is to:

Eliminate abusive debt collection practices

Insure that debt collectors not using abusive tactics are not completely disadvantaged

Promote consistent State action to protect consumers against abusive collection practices.

All of the above

15. Which section of the FDCPA clearly states that a debt collector may NOT engage in any conduct which is intended to harass or abuse a borrower, including the use of obscene or profane language?

Section 806

Section 805

Section 808

Section 809

16. The following is commonly called the "mini-miranda" pursuant to 15 U.S.C. 1962e(11)

I want to advise you this call may be recorded or monitored

I am a debt collector, and you have the right to not speak with me if you choose

This is an attempt to collect a debt, and any information will be used for that purpose

This is an attempt to collect a debt

None of the above

17. Section 805 of the FDCPA allows you to discuss, with a third party, the borrowers debt information if you have prior consent from the borrower directly

True

False

18. The FDCPA, in the Civil Liability Section 813, allows for borrowers to receive damages from individual debt collectors who violate any provision of the Act to include any actual damages sustained by the borrower plus court damages not to exceed $1000

True

False

19. If a debt collector calls a third party, that may not be aviolation of the FDCPA,

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

20. If you are interviewing a borrower and the borrower states that he/she is reperesented an attorney, the "FDCPA" explicitly forbids you to

Ask the borrower the name and phone number of the attorney

Write in your field report the borrowers claim of representation

Try and communicate again, at a later date, with the borrower after you have been advised of the representation

All of the above

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

An attorney

The consumers parents, if the parents live with the consumer

The consumers 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

22. Under the FDCPA, you can only be awarded up to $1000 in damages

True

False

23. The FDCPA allows you to advise the borrower that the documents you deliver are 'legal process'

True

False

24. Communicating with a borrower regarding a debt via a postcard is not prohibited by the FDCPA

True

False

25. In good faith, you bring a lawsuit against an abusive debt collector.

If you lose you will have to pay the debt collectors attorney fees and/or cost

If you win, you are no longer responsible for any valid debt.

All of the above

None of the above

26. The FDCPA forbids the discussion of consumer debt information with the consumers spouse.

True

False

FDCPA

1. Acoridng 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. What does "FDCPA" stand for?

3. As a field contact specialist your goal is to contact the borrower directly. The FDCPA allows you to assume, unless otherwise notified, that the convenient time to communicate with a borrower is:

4. 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.

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

6. The FDCPA states that making calls to a borrower at his/her place of imployment is prohibited if you have reason to believe that the employer prhibits such activity.

7. 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.

8. A debt collector may not sue any false representation or deceptive in connection with the collection of the debt.

9. When leaving behind a contact letter, it is okay to write on the outside of the "Personal and COnfidential" envelope the name of the lender and the amount of the unpaid debt

10. If you are interviewing a neighbor of the consumer to verify location information, the "FDCPA" forbids you to:

11. If you contact a relative of the borrower who has prior knowledge of the borrowers debt information, the relative may grant you permission to discuss the details of such debt information.

12. The FDCPA allows you to advise the borrower that failure to respond to the lender will result in legal action whether such action is intended to be taken or not.

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

14. The purpose of the "FDCPA" is to:

15. Which section of the FDCPA clearly states that a debt collector may NOT engage in any conduct which is intended to harass or abuse a borrower, including the use of obscene or profane language?

16. The following is commonly called the "mini-miranda" pursuant to 15 U.S.C. 1962e(11)

17. Section 805 of the FDCPA allows you to discuss, with a third party, the borrowers debt information if you have prior consent from the borrower directly

18. The FDCPA, in the Civil Liability Section 813, allows for borrowers to receive damages from individual debt collectors who violate any provision of the Act to include any actual damages sustained by the borrower plus court damages not to exceed $1000

19. If a debt collector calls a third party, that may not be aviolation of the FDCPA,

20. If you are interviewing a borrower and the borrower states that he/she is reperesented an attorney, the "FDCPA" explicitly forbids you to

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

22. Under the FDCPA, you can only be awarded up to $1000 in damages

23. The FDCPA allows you to advise the borrower that the documents you deliver are 'legal process'

24. Communicating with a borrower regarding a debt via a postcard is not prohibited by the FDCPA

25. In good faith, you bring a lawsuit against an abusive debt collector.

26. The FDCPA forbids the discussion of consumer debt information with the consumers spouse.