Fair Debt Collection Practices Act
(FDCPA) – Comprehensive Study Guide
1. Which of the following is the correct response to consumer written
requests that they not be contacted again by debt collectors?
A. Collectors may send final demand letters.
B. Collectors may send letters explaining that defaulted obligations are
being turned over to attorneys for legal action.
C. Collectors may call and ask for verification of requests to cease
communications.
D. Collectors may send letters that remind debtors of their legal obligations
under the credit contracts. - correct answer ✔✔ B. Collectors may send
letters explaining that defaulted obligations are being turned over to
attorneys for legal action.
There are only three types of communication that may be sent to a
consumer who has given a written notice to a debt collector to cease
communications: (1) that further collection efforts will cease; (2) that the
collector may invoke a specific remedy ordinarily invoked by that collector;
or (3) that the collector intends to invoke a specific remedy.
2. Which of the following actions is most likely to be prohibited under the Fair
Debt Collection Practices Act?
A. Pursuant to a corporate policy, individual collectors using an alias when
contacting consumers
B. Calling a consumer's neighbors to leave messages when the consumer
has a telephone
C. Telling a consumer that a lawsuit would cause the consumer
inconvenience and embarrassment
D. Referring to the fact that a consumer could be subjected to criminal
prosecution for issuing bad checks - correct answer ✔✔ B. Calling a
