Quarterly Assessment - FDCPA/tcpa/fcra
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FDCPA Exam
- 1.How many times can a debt collector contact a third party to request location information regarding the consumer in a day?
- A.
0
- B.
1
- C.
2
- D.
3
- 2.What information can you request from a third party while obtaining location information?
- A.
The consumer's home address, home phone number and place of employment.
- B.
The consumer's home phone, work phone number and place of employment.
- C.
The consumer's home address, cell phone number and place of employment.
- D.
The consumer's home phone number, work phone number and cell phone number.
- 3.Which of the following can be considered a right party with whom you can discuss the debt?
- A.
The consumer’s parents.
- B.
The consumer’s employer.
- C.
The consumer’s accountant.
- D.
The executor of the estate of a deceased consumer.
- 4.The FDCPA allows debt collectors to contact a consumer:
- A.
Between 8:00 a.m. and 9:00 p.m. in the collector’s time zone.
- B.
Between 8:00 a.m. and 9:00 p.m. in the consumer’s time zone.
- C.
Between 9:00 a.m. and 8:00 p.m. in the consumer’s time zone.
- D.
Between 9:00 a.m. and 8:00 p.m. in the collector’s time zone.
- 5.A debt collector may not:
- A.
State implications of non-payment of dues
- B.
Use Federal or State authority names to attempt and collect a debt.
- C.
Disclose the debt to a consumer’s spouse under a spousal state
- D.
Contact the consumer at his place of employment
- 6.A debt collector may call a consumer as many times in a day as it takes to get a hold of the consumer after leaving a message.
- A.
True
- B.
False
- 7.A debt collector may imply he is an attorney if the account will be forwarded to an attorney for collection.
- A.
True
- B.
False
- 8.A consumer can dispute the debt after the Validation Period has expired.
- A.
True
- B.
False
- 9.An individual debt collector can be personally sued under the FDCPA
- A.
True
- B.
False
- 10.When communicating with a consumer, a debt collector:
- A.
Can be rude to a consumer if the consumer is rude first.
- B.
Can demand immediate payment during the Validation Period.
- C.
Can imply that the consumer will be sued if it will influence the consumer to pay.
- D.
Can contact the consumer at work if it is not inconvenient for the consumer.
- 11.When communicating with a consumer, a debt collector:
- A.
Must disclose that the communication is from a debt collector.
- B.
Must only communicate with the consumer once, unless the debt collector believes the consumer has updated information.
- C.
Must not communicate with the consumer during peak business hours.
- D.
Must not disclose his employer unless specifically requested.
- 12.The FDCPA is:
- A.
A watchdog for ethical trade practices in the United States
- B.
A federal law governing the ethical collection of past due debts.
- C.
The federal government agency enforcing debt collection laws.
- D.
A trade association for credit and collection professionals.
- 13.A written refusal to pay a debt:
- A.
Requires no response by a debt collector.
- B.
Requires a debt collector to communicate with a consumer in writing.
- C.
Requires a debt collector to communicate with a consumer by telephone.
- D.
Requires a debt collector to cease communicating with a consumer regarding a debt.
- 14.A debt collector can overshadow the Validation Period by:
- A.
Requesting payment in the first collection call.
- B.
Offering a settlement that expires after the validation period expires.
- C.
Demanding immediate payment during the validation period.
- D.
Not offering a settlement.
- 15.A debt collector must:
- A.
Provide written notice of the intent to deposit a check post dated by more than 5 days.
- B.
Contact a consumer between 10:00 a.m. and 7:00 p.m. in the collector’s time zone.
- C.
Contact a third party repeatedly to obtain location information.
- D.
Increase the amount of the debt if the consumer does not pay.
- 16.A debt collector can provide information regarding a debt to a third party if the consumer gives permission to disclose the information.
- A.
True
- B.
False
- 17.When a consumer disputes a debt, the debt collector must:
- A.
Continue regular collection efforts.
- B.
Not apply payments to the disputed portion of the debt.
- C.
Explain the consumer’s wages will be garnished.
- D.
File suit to collect the debt.
- 18.A debt collector who violates the FDCPA can be liable for:
- A.
A minimum of $1,000 in statutory damages.
- B.
Actual damages of $1,000 per violation.
- C.
Statutory damages of up to $1,000 and attorney’s fees.
- D.
Debt collectors cannot be sued under the FDCPA.
- 19.The Fair Debt Collection Practices Act is designed:
- A.
Make debt collection more difficult.
- B.
Allow consumers to discharge their past due debts.
- C.
Handcuff debt collectors with onerous provisions.
- D.
Eliminate abusive collection efforts.
- 20.A consumer’s verbal request for a debt collector to cease communication:
- A.
Provides notice that the time or place of the communication might be inconvenient for the consumer.
- B.
Has no impact on debt collection efforts.
- C.
Has the same impact as a written refusal to pay.
- 21.When a consumer is represented by an attorney,
- A.
A debt collector may communicate with the consumer or the attorney and attempt to obtain location information from third parties.
- B.
A debt collector may communicate with the attorney and attempt to obtain location information from third parties.
- C.
A debt collector may communicate with the attorney only.
- D.
A debt collector must cease all communications regarding the debt.
- 22.A debt collector does not violate the FDCPA by belittling or embarrassing the consumer.
- A.
True
- B.
False
- 23.A debt collector may tell a consumer he has committed a crime by failing to pay the debt.
- A.
True
- B.
False
- 24.When communicating with a consumer, a debt collector must identify herself and disclose the purpose of the communication.
- A.
True
- B.
False
- 25.A debt collector can overshadow the validation period in collection letters, but not in collection calls.
- A.
True
- B.
False
- 26.A debt collector can avoid FDCPA liability by having procedures in place to avoid FDCPA violations and errors.
- A.
True
- B.
False
- 27.To cease collection attempts at the place of employment, a consumer:
- A.
Must notify a debt collector verbally or in writing that he cannot take calls at work.
- B.
Must send a written notice enclosing the employer’s policy regarding personal calls at work.
- C.
Must have his employer contact the debt collector to provide notice.
- D.
Cannot stop collection attempts at the place of employment.
- 28.A consumer’s written dispute during the Validation Period:
- A.
Has no impact on collection calls.
- B.
Requires the debt collector to cease communication and provide verification of the debt.
- C.
Requires the debt collector to provide verification of the debt, but collection efforts may continue.
- D.
Requires the creditor to contact the consumer to provide the verification of the debt.
- 29.Which of the following statements, within the first 5 days of the validation period, would not constitute overshadowing?
- A.
If you do not pay this debt immediately we will bring suit against you.
- B.
You can avoid having a lawsuit brought against you if you settle your account with a 50% payment within 5 days.
- C.
This debt is seriously delinquent. The balance in full is due.
- D.
You have to request validation or pay within 20 days.
- 30.The Fair Debt Collection Practices Act:
- A.
Applies to first party grantors.
- B.
Applies to written communications, but not verbal communications.
- C.
Was enacted to eliminate abusive, deceptive, and unfair debt collection practices.
- D.
Was enacted to encourage consumers to file bankruptcy.
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