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
Consumer Financial Protection Bureau
Consumer Finance Processing Bureau
Customer Fraud Protection Bureau
Collection Fraud Processing Bureau
Fair Contact Recording Act
Federal Credit Responsiblity Act
Fair Credit Reporting Act
Federal Collector Review Act
True
False
True
False
This is attempt to collect a debt
I am a debt collector, and you have the right to speak with me or not speak with me
I want to advise you this call may be recorded
This communication is from a debt collector. The purpose of the call is to collect a debt any information obtained will be used for that purpose
The Consumer
The Consumers Spouse
The Consumers Attorney
All of the above
True
False
Unfit, Deceptive, or Abusive Acts of Privacy
Unfair, Determined, Angery Acts and Practices
Understanding, Deception and Abusive Acts or Practices
Unfair, Deceptive or Abusive Acts or Practices
True
False
Offering a consumer a settlement
Guaranteeing a consumer their credit score will improve if they pay the bill
Setting the consumer up on a payment schedule
Calling the consumer
Restricts the use of auto-dialers to place calls to any wireless number
Restricts calls made after 7pm in any time zone
Prohibits calling any phone number at any time
Does not apply to collection agencies
Principals of conduct governing an individual or a group.
Doing what you want, when you want.
A guiding philosophy
A consciousness of moral importance.
Excellent Client Satisfaction
Increased Risk of Lawsuits
Best possible arrangement
Save Time
Tell them to contact the Attorney General
Try to resolve the complaint here
Tell them to contact the Better Business Bureau
Tell them they owe our client and have nothing to complain about
True
False
Auto dialed calls to cellular phones
Pre-recorded messages to cellular and residental phones
Displayed numbers on caller ID's
All of the above
True
False
You can call a cellular phone using an autodialer if the consumer has given prior expressed consent.
You can call a celluar phone using an autodialer if the creditor gained consent in the origional contract and/or agreement.
You can manually dial a cellular phone number
All of the above statements are correct
True
False
Ask the neighbor if he can help the consumer pay the debt
Ask the neighbor for the home address, home phone or the place of employment
Leave a message with the neighbor
Ask the neighbor to help you collect the debt
True
False
Better Business Bureau (BBB)
Attorney General (AG)
American Collector Association (ACA)
Consumer Financial Protection Bureau (CFPB)
You know them and want to see who they owe money to
The client asks you to pull it and give them the information
You are attempting to collect on the account
Never
Flip items over or put in your drawer before you leave
Shred everything and start over tomorrow
Give it to your co-workers to watch while you are gone
Leave it out