FDCPA EXAM
What two government agencies govern or police the FDCPA
Federal Trade Commission and Consumer Financial Protection Bureau
Write the mini Miranda
This is an attempt to collect a debt and any information obtained will be used for that purpose.
When a debtor refuses to give any information concerning the attorney that represents them , according
to company policy what do we tell the debtor?
They have 7 days to contact us with the attorney information.
What 2 reasons can we call back a debtor after we have already been told they have an attorney? ( The
attorney information is provided or can easily be determined)
1. The attorney gives us permission
2. You may contact the debtor if the attorney does not respond back in a reasonable amount of time.
Under regulation F, how many days must we wait to call a debtor after having a telephone conversation
with the debtor?
7 days from the day of contact
When calling a third party for skip tracing purposes ,there are three rules we must follow. Name them:
1. Never disclose that a debt is owed
2. only call 1 time unless you are given permission from the consumer
