Fair Debt Collection Practices Act Final
Assessment Solved 100% Correct
A debt collector contacted a debtor's employer asking for that person's address and
phone number. Is this allowed? - ANSWER-A. Yes, a debt collector may contact a third-
party for location information (consumer's place of abode and telephone number at such
place)
B. No, contacting a third party violates the Fair Debt Collection Practices Act (FDCPA)
unless the debtor has given express written consent
C. No, only a request for information other than ''location information'' is allowed
D. Yes, as long as the collection agency informs the third party about the nature of the
debt and the amount owed
Allan, a debt collector with ABC Collection Agency, called a customer and told her that
his company will have her arrested if the debt was not brought current by the next
payment due date. Is that allowed? - ANSWER-A. No, if such action will not or cannot
be taken the representation or implication that nonpayment of any debt will result in the
arrest or imprisonment of any person violates the Fair Debt Collection Practices Act
(FDCPA)
B. Yes, if a person does not pay, he or she has committed fraud and should be arrested
C. Yes, if state law establishes ''debtors prison''
D. No, a collector may not inform the customer about this action by phone, but may
threaten arrest or imprisonment as long as the debt collector notifies the individual in
writing of this action
Are all debts subject to the Fair Debt Collection Practices Act (FDCPA)? - ANSWER-A.
No, only joint debts owned by a husband and wife
B. Yes, if the debt is past due, the law applies
C. No, only debts that are primarily for personal, family or household purposes
D. No, it only applies to commercial debt
Caleb, a long time customer, provided his mortgage servicer with a cease
communications request. If the request provided is in accordance with the FDCPA, the
