Quarterly Assessment - FDCPA/Tcpa/Fcra

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The consumer's home address, home phone number and place of employment.

The consumer's home phone, work phone number and place of employment.

The consumer's home address, cell phone number and place of employment.

The consumer's home phone number, work phone number and cell phone number.

The consumer’s parents.

The consumer’s employer.

The consumer’s accountant.

The executor of the estate of a deceased consumer.

Between 8:00 a.m. and 9:00 p.m. in the collector’s time zone.

Between 8:00 a.m. and 9:00 p.m. in the consumer’s time zone.

Between 9:00 a.m. and 8:00 p.m. in the consumer’s time zone.

Between 9:00 a.m. and 8:00 p.m. in the collector’s time zone.

State implications of non-payment of dues

Use Federal or State authority names to attempt and collect a debt.

Disclose the debt to a consumer’s spouse under a spousal state

Contact the consumer at his place of employment

True

False

True

False

True

False

True

False

Can be rude to a consumer if the consumer is rude first.

Can demand immediate payment during the Validation Period.

Can imply that the consumer will be sued if it will influence the consumer to pay.

Can contact the consumer at work if it is not inconvenient for the consumer.

Must disclose that the communication is from a debt collector.

Must only communicate with the consumer once, unless the debt collector believes the consumer has updated information.

Must not communicate with the consumer during peak business hours.

Must not disclose his employer unless specifically requested.

A watchdog for ethical trade practices in the United States

A federal law governing the ethical collection of past due debts.

The federal government agency enforcing debt collection laws.

A trade association for credit and collection professionals.

Requires no response by a debt collector.

Requires a debt collector to communicate with a consumer in writing.

Requires a debt collector to communicate with a consumer by telephone.

Requires a debt collector to cease communicating with a consumer regarding a debt.

Requesting payment in the first collection call.

Offering a settlement that expires after the validation period expires.

Demanding immediate payment during the validation period.

Not offering a settlement.

Provide written notice of the intent to deposit a check post dated by more than 5 days.

Contact a consumer between 10:00 a.m. and 7:00 p.m. in the collector’s time zone.

Contact a third party repeatedly to obtain location information.

Increase the amount of the debt if the consumer does not pay.

True

False

Continue regular collection efforts.

Not apply payments to the disputed portion of the debt.

Explain the consumer’s wages will be garnished.

File suit to collect the debt.

A minimum of $1,000 in statutory damages.

Actual damages of $1,000 per violation.

Statutory damages of up to $1,000 and attorney’s fees.

Debt collectors cannot be sued under the FDCPA.

Make debt collection more difficult.

Allow consumers to discharge their past due debts.

Handcuff debt collectors with onerous provisions.

Eliminate abusive collection efforts.

Provides notice that the time or place of the communication might be inconvenient for the consumer.

Has no impact on debt collection efforts.

Has the same impact as a written refusal to pay.

A debt collector may communicate with the consumer or the attorney and attempt to obtain location information from third parties.

A debt collector may communicate with the attorney and attempt to obtain location information from third parties.

A debt collector may communicate with the attorney only.

A debt collector must cease all communications regarding the debt.

True

False

True

False

True

False

True

False