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Fair Debt Collection Practices Act (FDCPA) Practice Test, Exams of Nursing

University of CambridgeNursing

A practice test for the fair debt collection practices act (fdcpa), covering key aspects of debt collection regulations. It includes multiple-choice questions and answers, testing knowledge of consumer rights, debt collector responsibilities, and legal implications of fdcpa violations. The test is designed to help individuals understand the fdcpa and its application in real-world scenarios.

Typology: Exams

2024/2025

Available from 02/14/2025

TeachMe2
TeachMe2 🇬🇧

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ACA Practice Test
how many times can a debt collector contact a third party to request location information regarding the
consumer - correct answer ✔✔A. 2
B. 3
>> 1
D. 0
What information can you request from a third party? - correct answer ✔✔>> The consumer's home
address, home phone number and place of employment.
B. The consumer's home phone number, 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.
Which of the following are right parties with whom you can always discuss the debt? - correct answer
✔✔A. The consumer's parents.
B. The consumer's employer.
C. The consumer's accountant.
>>The executor of the estate of a deceased consumer.
The FDCPA allows debt collectors to contact a consumer: - correct answer ✔✔A. 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.
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.
A debt collector may call a consumer as many times in a day as it takes to get a hold of the consumer so
long as the debt collector does not leave a message. - correct answer ✔✔False
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Download Fair Debt Collection Practices Act (FDCPA) Practice Test and more Exams Nursing in PDF only on Docsity!

ACA Practice Test

how many times can a debt collector contact a third party to request location information regarding the consumer - correct answer ✔✔A. 2 B. 3

1 D. 0 What information can you request from a third party? - correct answer ✔✔>> The consumer's home address, home phone number and place of employment. B. The consumer's home phone number, 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. Which of the following are right parties with whom you can always discuss the debt? - correct answer ✔✔A. The consumer's parents. B. The consumer's employer. C. The consumer's accountant. The executor of the estate of a deceased consumer. The FDCPA allows debt collectors to contact a consumer: - correct answer ✔✔A. 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. 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. A debt collector may call a consumer as many times in a day as it takes to get a hold of the consumer so long as the debt collector does not leave a message. - correct answer ✔✔False

A debt collector may not: - correct answer ✔✔A. Use an alias when attempting to collect a debt.

Use a post card to attempt to collect a debt. C. Disclose the debt to a consumer's attorney. D. Contact a consumer during the validation period. A consumer can dispute the debt after the Validation Period has expired. - correct answer ✔✔True A debt collector may imply he is an attorney if the account will be forwarded to an attorney for collection. - correct answer ✔✔False An individual debt collector can be personally sued under the FDCPA. - correct answer ✔✔True When communicating with a consumer, a debt collector: - correct answer ✔✔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.

Can contact the consumer at work if it is not inconvenient for the consumer. When communicating with a consumer, a debt collector: - correct answer ✔✔>> 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 communicate with the consumer during business hours. D. Must not disclose his employer unless specifically requested. The FDCPA is: - correct answer ✔✔A. A random set of letters. 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.

D. Debt collectors cannot be sued under the FDCPA. The Fair Debt Collection Practices Act is designed to: - correct answer ✔✔A. Make debt collection more difficult. B. Allow consumers to discharge their past due debts. C. Handcuff debt collectors with onerous provisions.

Eliminate abusive collection efforts. A consumer's verbal request for a debt collector to cease communication: - correct answer ✔✔>> 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 cease communication request. D. Has the same impact as a written refusal to pay. When a consumer is represented by an attorney, - correct answer ✔✔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. A debt collector may communicate with the attorney only. D. A debt collector must cease all communications regarding the debt. A debt collector does not violate the FDPCA by belittling or embarrassing the consumer. - correct answer ✔✔False A debt collector may tell a consumer he has committed a crime by failing to pay the debt. - correct answer ✔✔False When communicating with a consumer, a debt collector must identify herself and disclose the purpose of the communication. - correct answer ✔✔True

A debt collector can overshadow the validation period in collection letters, but not in collection calls. - correct answer ✔✔False A debt collector can avoid FDCPA liability by having procedures in place to avoid FDCPA violations and errors. - correct answer ✔✔True To cease collection attempts at the place of employment, a consumer: - correct answer ✔✔>> 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. A consumer's written dispute during the Validation Period: - correct answer ✔✔A. Has no impact on collection efforts.

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 verification of the debt. Which of the following statements, within the first 5 days of the validation period, would not constitute overshadowing? - correct answer ✔✔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 settle your account with a 50% payment within 5 days. This debt is seriously delinquent. The balance in full is due. D. You have to request validation or pay within 20 days. The Fair Debt Collection Practices Act: - correct answer ✔✔A. Applies to first party credit grantors. B. Applies to written communications, but not verbal communications. Was enacted to eliminate abusive, deceptive and unfair debt collection practices. D. Was enacted to encourage consumers to file bankruptcy.

you just forget all about this bill, and let me take you out to dinner?" What is the best way to respond to him? - correct answer ✔✔A. "I'm going have you speak with my manager Sir." B. "Your statement Sir would be evidence against a FDCPA claim." C. "How would you like to make a payment on this debt today Sir?"

"I'm sure we would have a fabulous time..... but how would you like to make a payment on this debt today sir?" You are talking to a consumer who is questioning the account and wants to know more information. You tell her that the account was for an emergency room visit on March 7 in Clinton County. She continues to ask questions concerning the specifics for the emergency room visit and asks if the bill includes the ambulance. What is the best way to respond to her?" - correct answer ✔✔A. "Regardless if the bill contains the ambulance, you are still responsible for the bill." B. "I've told you all the information you need to know." "The emergency room visit does not include the ambulance. It just includes the rib X-rays and the MRI. There are no other charges on this bill." D. "This payment is delinquent and a payment needs to be made." You are talking to a consumer in which you are trying to get more information why the account has not been paid. Which of the following questions should you ask to get the information about the reason for delinquency? - correct answer ✔✔A. Are you employed? Why haven't you been able to pay on this account? C. Do you have friends or family to help you out? D. Do you want to take care of this debt? You are trying to figure out if the consumer is willing to pay on the account or if they are going to refuse any sort of payment. What should you do? - correct answer ✔✔>> Tell the consumer you can take payment over the phone today. B. Ask the consumer why they haven't been able to pay on the account. C. Tell the consumer you need more information about their situation. D. Ask the consumer if they have friends or family that can help them pay the debt. Your automatic dialer calls on a non-medical debt account for 22 year old Aunica Jones, and her father answers the phone. When he identifies herself as Aunica's father and asks what this is about, how

should you respond to him. - correct answer ✔✔A. Tell him your name and say, "This is concerning a delinquent bill. May I leave you a message to have her call me back?" B. Tell him your name and say, "This communication is an attempt to collect a debt and any information obtained will be used for that purpose. May I leave you a message to have her call me back?" C. Tell him your name and say, "This is concerning a past due bill, but I can't give you any more information than that. May I leave you a message to have her call me back?"

Tell him your name and say, "This is concerning a personal business matter. May I leave you a message to have her call me back?" You receive an inbound call from a consumer who identifies herself immediately and says, "I'm Mary Pat, and I would like to make a payment on my account." How should you respond to her immediately after she makes this statement? - correct answer ✔✔A. "Great! Before we go any further, I need to say that it appears we have contacted you three times on this account and we need you to pay the full amount today." "Great. Before we go any further, can you verify your address and date of birth for me?" C. "Great! Before we go any further, I need to say that this communication is an attempt to collect a debt and any information obtained will be used for that purpose." D. Great! Will you be paying the total amount today of 250.00 owed to Continental Medical?" Your dialer calls on an account for Kai McKeen. After you determine you are speaking to the right person, identify yourself and the purpose of the call, he says, "This balance seems very high. I paid on that medical bill already. What am I being charged for on this bill"? - correct answer ✔✔>> "Kai, this was referred to us 2 weeks ago, it is services for yourself on April 5. I see your insurance was processed and this $300 is your responsibility. How would you like to take care of this today?" B. "Kai, I wish I could tell you you've one a new I-pad or won the lottery....but this is about a bill you owe for the amount of $300, and it's your responsibility. How would you like to take care of this today?" C. "Kai, at this point getting into the specifics of the bill will not be helpful. The fact of the matter is that this is a debt you owe, and it's your responsibility. How would you like to take care of this today?" D. "Kai, I understand how things can get very busy and how easy it is to forget to pay a bill. I'm sure you would like to get this bill taken care of. Can you make a payment over the phone today?" During the opening of a call, you have just identified you are speaking to the consumer who owes the debt. What is the next step of the call? - correct answer ✔✔A. Ask the consumer if they are married or have disability income. B. Ask the consumer if they have relatives or friends to help them pay on the debt.

"That sounds like a difficult situation you're in. Would you mind if I update your information on the account? After going through the preliminaries of a call, a consumer tells you that they don't owe the debt because they never purchased the product listed on the account. - correct answer ✔✔A. State the mini- miranda. B. State your name and the company you work for. Check with your manager on the company's policy for handling a dispute. D. Tell the consumer he owes the amount and ask for payment. You reach a consumer who says, "Don't call me about this at work! How should you respond? - correct answer ✔✔>> "Can you give me another number for me to call?" B. "We really need to discuss this delinquent bill." C. "First need to verify some account information." D. "I need you commit to a payment today to get this taken care of." When you ask a consumer why they haven't been able to make payments on the account, they provide a circumstantial response and say, "I have been out of work for the past 4 months because I've been sick." How should you respond? - correct answer ✔✔>> Ask the consumer if they have any short or long-term disability insurance. B. Ask the consumer why they have been sick for the past 4 months. C. Ask the consumer when they can mail in a payment. D. Ask the consumer if they can make a payment over the phone When you ask a consumer why they haven't been able to make payments on the account, they provide an intellectual response and say, "I thought I was allowed at least a few payments a year that could be forgiven on this credit card." What should you say? - correct answer ✔✔A. Ask the consumer if they have friends to help them pay the bill. B. Ask the consumer why they haven't paid the bill. Ask the consumer if they know every missed payment adds fees and penalties to their overall balance. D. Ask the consumer if they have family members to help them pay the bill.

You talk to a consumer named Jill who refuses to make a payment. How should you close the call with her? - correct answer ✔✔>> Document the information and tell Jill that "our agency will continue to make collection efforts if this account remains unpaid. There may also be additional fees charged to this account." B. Document the information and tell Jill that "our agency will continue to make collection efforts if this account remains unpaid. You can go to jail very soon, if this account remains with our agency." C. Document the information and tell Jill that "our agency has the right to repossess your car if this account continues to go unpaid. D. Document the information and tell Jill that "our agency has the right to repossess all of your belongings if this account continues to go unpaid." You talk to a consumer who agrees to make $25 monthly payments on the 1st of each month for two months. How should you close the call? - correct answer ✔✔A. State the consequences if the debt remains unpaid. B. Document the information and state the consequences if the debt remains unpaid. C. Document the information and ask the consumer to repeat the address back to you where the payment needs to be mailed.

Document the information; ask the consumer to repeat the address back to you where the payment needs to be mailed and state the consequences if the debt remains unpaid. Which of the following would be the correct way to document account information? - correct answer ✔✔A. Spoke to cnsmer. Won't pay until ins. cleared up. Tld me to CB in 2wks. B. Spoke to husband. Sd call ltr when wife home. Spoke to wife. Said hsbnd pays bills. Asked for c/b at 5:00 p.m. D. Tkd to husband. Rlly crabby. Tld me to send ltr and askd for c/b at 5. Read the profile, and choose the best way to handle the consumer's situation. Name: Nancy Delinquent amount: $500 Monthly income: $1200 Bills: $900 Alternative source of income: "I don't need anyone else to help me pay my bills; I get paid next week, and I'll be sure to send in a partial payment then." - correct answer ✔✔A. Negotiate a monthly payment plan of $200. Negotiate a monthly payment plan of $75 per month while convincing Nancy she needs to think about selling personal belongings for financial help. C. Accept the promise for payment and move on to the next call. D. Negotiate that Nancy make a payment for the full amount.

D. "Do you happen to have any family or friends who can help you take care of this debt? I'm sure this is something you would like to take care of." Read the profile, and choose the best way to respond to the consumer's situation. Name: Marc Human Need: Social Says: "Who else knows about this?" - correct answer ✔✔>> "I know someone with your background and occupation knows the importance of taking care of this debt." B. "My company requires me to take legal action against you if this debt remains unpaid." C. "This may be reported to the credit bureau if this debt remains unpaid." D. "Do you have any family or friends that can help you out with this situation?" When you ask a consumer why they haven't been able to make payments on the account, they provide an intellectual response and say, "I didn't think I had to make payments on that account for at least six months." What should you say? - correct answer ✔✔A. Ask the consumer if they have friends to help them pay the bill. B. Explain to the consumer that they can find alternative sources of income to help them pay off this debt.

Explain to the consumer the terms of the agreement and that missed payments are adding fees to their overall balance. D. Ask the consumer if they have relatives to help them pay the bill. When you ask a consumer why they haven't been able to make payments on the account, they provide a circumstantial response and say, "I have been out of work for the past 3 months due to a car accident?" How should you respond? - correct answer ✔✔>> Ask the consumer if they have any disability insurance. B. Ask the consumer details about the car accident. C. Ask the consumer when they can mail in a payment. D. Ask the consumer if they can make a payment over the phone.