This quiz, titled '2014 JCC Forward Thinking Module Review II', assesses knowledge on debt collection laws and practices, including FDCPA, CFPB, and FCRA. It also evaluates understanding of workplace policies on cell phone usage and communication protocols with clients.
True
False
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True
False
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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
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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
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True
False
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True
False
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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
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I DO
I DO NOT
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True
False
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I agree
I disagree
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True
False
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True
False
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True
False
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None of the above
Keep the account in active collections so it receives calls at a later date
Disposition the number as bad
Call one more time to try and gather additional information
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Only first contacts
All inbound and outbound contacts
Only inbound contacts
Only outbound contacts
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True
False
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An excuse used to get out of paying a debt
Question or disagree with the validity, accuracy or representation regarding an account
Accusations of misconduct by an employee
None of the above
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Apologize for the inconvenience and explain you will remove the number
Tell them it is not your fault
Hang up the phone
Tell them to change thier number
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Keep Calling the consumer
Throw the request away and pretend we never received it
Cease Collections until verification is obtained and sent to the consumer.
Tell the consumer they know what they owe, there is no need to verify anything.
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Richer
Softer Spoken
More Savvy and tend to understand the laws
More trusting
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Kid Gloves
Compliments and Laughter
Dignity and Respect
Sarcasm and rudness
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Fair Contact Recording Act
Federal Credit Responsiblity Act
Fair Credit Reporting Act
Federal Collector Review Act
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True
False
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True
False
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Clear communications
Clear Disclosures
The Monitoring & Review of Complaints
All of the above
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Options offered
Summary of repayment arrangement
Permission to call back
All of the above
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True
False
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True
False
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The Consumer
The Consumers Spouse
The Consumers Attorney
All of the above
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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
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True
False
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5 days
7 days
10 days
2 days
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True
False
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Principals of conduct governing an individual or a group.
Doing what you want, when you want.
A guiding philosophy
A consciousness of moral importance.
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Excellent Client Satisfaction
Increased Risk of Lawsuits
Best possible arrangement
Save Time
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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
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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
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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
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Yes
No
I can't answer that.
None of the Above
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True
False
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Consumer Financial Protection Bureau
Consumer Finance Processing Bureau
Customer Fraud Protection Bureau
Collection Fraud Processing Bureau
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True
False
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True
False
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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
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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
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True
False
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Explain if she paid her bill she would not get collection calls
Tell the consumer " I will escalate this to my manager for review"
Hang up on the consumer
None of the above
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Auto dialed calls to cellular phones
Pre-recorded messages to cellular and residental phones
Displayed numbers on caller ID's
All of the above
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Quiz Review Timeline (Updated): Mar 20, 2023 +
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