Fair Debt Collection Practices Act
(FDCPA) – Comprehensive Study Guide
A law that gives consumers protection against unprofessional and harassing
behavior when attempting to collect on a debt - correct answer ✔✔ Fair Debt
Collection Practices Act (FDCPA)
T or F: The FDCPA was enacted to protect consumers from abusive, unfair,
and deceptive debt collection practices, and provide guidance to debt
collectors on avoiding practices that are abusive, unfair, or deceptive. -
correct answer ✔✔ TRUE
T or F: Debts covered under the FDCPA include personal, family, and
household debts as well as automobile loans, credit card debts, and money
owed for medical bills - correct answer ✔✔ TRUE
Means more than just the person who owes the debt; it also means the
debtor's spouse, parents (if the debtor is a minor), legal guardian, and/or
confirmed successor in interest - correct answer ✔✔ Consumer
T or F: A debt collector is usually a third party whose business is to collect
debts owed to a creditor. That is, their primary business is collecting on debts
that are not owed directly to them, but to another entity. - correct answer ✔✔
TRUE
T or F: The two most common debt collectors are debt collection agencies
and collection attorneys. - correct answer ✔✔ TRUE
A debt collector calls a debtor's sister in an attempt to locate the debtor. The
collector identifies himself and then explains that the purpose of his call is to
find out the location of the debtor because he owes money on a debt. Has
the debt collector violated the FDCPA? - correct answer ✔✔ Yes
