FDCPA EXAM QUESTIONS AND ANSWERS
True or False: the FDCPA allows professional debt collectors to contact customers
between 8:00am and 9:00pm local time for the consumer. (In consumers time zone) -
Answer -True
Which of the following statements made by professional debt collectors would not be
considered harassing?
A. "You're really lazy! Why don't you get a job?"
B. "I'll have to contact your employer if you don't pay your bill."
C. "You shouldn't buy a house if you can't pay your bill."
D. None of the above - Answer -D. None of the above
True of False: when seeking location information, professional debt collectors may
inform the consumers neighbor about the existence of a debt. - Answer -False
A validation notice is:
A. An explanation of what a collection agency must do if a debt is disputed
B. Required by the FDCPA
C. A written explanation of the consumers right to dispute a debt
D. All of the above - Answer -D. All of the above
When communicating with consumers about a debt, professional debt collectors:
A. Must identify themselves as debt collectors
B. May imply they work for the government
C. May use forms that look like legal documents
D. None of the above - Answer -A. Must identify themselves as debt collectors
True or false: professional debt collectors can be held liable for violation of the FDCPA
to the same extent as their employers - Answer -True
True or false: professional debt collectors may refer to legal action as a collection
possibility on all size accounts even if their policy is to sue on accounts larger that $250
- Answer -False
True or false: a collector can demand immediate payment 21 days after the notice is
sent - Answer -False
True or false: collectors may say anything over the telephone that they are prohibited
from writing in letters - Answer -False
True or false: a professional debt collector is permitted to report information on past due
accounts to credit reporting agencies - Answer -True
