FDCPA

26 Questions

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FDCPA Quizzes & Trivia

Questions and Answers
  • 1. 
    What does "FDCPA" stand for?
    • A. 

      The Fair Debtor and Creditor practices Act

    • B. 

      The Fair Debt Collection Practices Act

    • C. 

      The First Debt collectors Procedures Act

    • D. 

      The Federal Debt Collectors Procedure Act

  • 2. 
    The purpose of the "FDCPA" is to:
    • A. 

      Eliminate abusive debt collection practices

    • B. 

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

    • C. 

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

    • D. 

      All of the above

  • 3. 
    If you are interviewing a neighbor of the consumer to verify location information, the "FDCPA" forbids you to:
    • A. 

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

    • B. 

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

    • C. 

      Discuss with the third party that the borrower owes a debt

    • D. 

      None of the above

  • 4. 
    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:
    • A. 

      Between 7am-5pm Eastern Standard Time

    • B. 

      Between 8am-9pm Local time at Consumer Locale

    • C. 

      Between 5pm-9pm Pacific Standard time

    • D. 

      Anytime after 8am Local time at Consumer Locale

  • 5. 
    • A. 

      Ask the borrower the name and phone number of the attorney

    • B. 

      Write in your field report the borrowers claim of representation

    • C. 

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

    • D. 

      All of the above

  • 6. 
    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?
    • A. 

      Section 806

    • B. 

      Section 805

    • C. 

      Section 808

    • D. 

      Section 809

  • 7. 
    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
    • A. 

      True

    • B. 

      False

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

      True

    • B. 

      False

  • 9. 
    The FDCPA allows you to advise the borrower that the documents you deliver are 'legal process'
    • A. 

      True

    • B. 

      False

  • 10. 
    Communicating with a borrower regarding a debt via a postcard is not prohibited by the FDCPA
    • A. 

      True

    • B. 

      False

  • 11. 
    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.
    • A. 

      True

    • B. 

      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.
    • A. 

      True

    • B. 

      False

  • 13. 
    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
    • A. 

      True

    • B. 

      False

  • 14. 
    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
    • A. 

      True

    • B. 

      False

  • 15. 
    The FDCPA forbids the discussion of consumer debt information with the consumers spouse.
    • A. 

      True

    • B. 

      False

  • 16. 
    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.
    • A. 

      True

    • B. 

      False

  • 17. 
    Wich of the following is the primary law that regulates debt collecting?
    • A. 

      FCRA

    • B. 

      FDCPA

    • C. 

      FDPCA

    • D. 

      FICO

    • E. 

      FCBA

  • 18. 
    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

  • 19. 
    Acoridng to the FDCPA, a debt collector may not use abusive or obscene language.
    • A. 

      True

    • B. 

      False

  • 20. 
    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

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

      An attorney

    • B. 

      The consumers parents, if the parents live with the consumer

    • C. 

      The consumers 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

  • 22. 
    The following is commonly called the "mini-miranda" pursuant to 15 U.S.C. 1962e(11)
    • A. 

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

    • B. 

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

    • C. 

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

    • D. 

      This is an attempt to collect a debt

    • E. 

      None of the above

  • 23. 
    If a debt collector calls a third party, that may not be aviolation of the FDCPA,
    • 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

  • 24. 
    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

  • 25. 
    Under the FDCPA, you can only be awarded up to $1000 in damages
    • A. 

      True

    • B. 

      False

  • 26. 
    In good faith, you bring a lawsuit against an abusive debt collector.
    • A. 

      If you lose you will have to pay the debt collectors 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