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FDCPA Final Test Questions and Answers with Complete Solutions, Exams of Public Health

Chamberlain College of NursingPublic Health

A comprehensive set of questions and answers related to the fair debt collection practices act (fdcpa). It covers key aspects of the fdcpa, including the 'mini miranda' warning, permissible debt collection practices, and restrictions on contacting consumers. The questions address scenarios and regulations relevant to debt collectors, offering insights into compliance requirements and consumer rights. It serves as a valuable resource for understanding and applying the fdcpa in real-world situations, making it suitable for training and educational purposes.

Typology: Exams

2025/2026

Available from 12/10/2025

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FDCPA Final Test – Questions
With Complete Solutions
What is the "Mini Miranda? Correct Ans - A required
statement of intent.
What does the acronym FDCPA stand for? Correct Ans -
Fair debt collection practices act.
What is the correct wording of Reliant's mini Miranda?
Correct Ans - This is a communication with a debt
collector and an attempt to collect a debt. Any information
obtained will be used for this purpose.
Is it a violation of the FDCPA to require a consumer to pay
immediately or today before the 30 day validation period has
expired? Correct Ans - Yes, the consumer must be
allowed a chance to dispute.
When would the FDCPA not apply? Correct Ans -
When Reliant's policy and state law is more prohibitive.
A collector must cease further contact to a consumer's work
phone when? Correct Ans - If requested by anyone at
the workplace or you have knowledge the employer prohibits
the consumer from receiving calls.
What requires you to cease contacting the consumer?
Correct Ans - If the consumer tells you not to call either by
phone or in writing, if you know it is an inconvenient time to
call or at their place of employment and you were advised by
the receptionist
Per Reliant's policy, how many contacts can you make with a
consumer each day? Correct Ans - One, unless given
permission to call again.
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FDCPA Final Test – Questions

With Complete Solutions

What is the "Mini Miranda? Correct Ans - A required statement of intent. What does the acronym FDCPA stand for? Correct Ans - Fair debt collection practices act. What is the correct wording of Reliant's mini Miranda? Correct Ans - This is a communication with a debt collector and an attempt to collect a debt. Any information obtained will be used for this purpose. Is it a violation of the FDCPA to require a consumer to pay immediately or today before the 30 day validation period has expired? Correct Ans - Yes, the consumer must be allowed a chance to dispute. When would the FDCPA not apply? Correct Ans - When Reliant's policy and state law is more prohibitive. A collector must cease further contact to a consumer's work phone when? Correct Ans - If requested by anyone at the workplace or you have knowledge the employer prohibits the consumer from receiving calls. What requires you to cease contacting the consumer? Correct Ans - If the consumer tells you not to call either by phone or in writing, if you know it is an inconvenient time to call or at their place of employment and you were advised by the receptionist Per Reliant's policy, how many contacts can you make with a consumer each day? Correct Ans - One, unless given permission to call again.

If you except a post dated payment what guideline must you follow? Correct Ans - Send a reminder letter 3 to 10 days prior to the date of payment, may not threaten prosecution if payment bounce, may not process the payment before the date authorized. If a company's name indicates it is a collection agency, can the name be used on the outside of the envelope? Correct Ans

  • No, it would be considered third-party disclosure. Can a collector at a third-party collection agency ever state or imply that she/he works for an attorney or the legal department or represent themselves as an attorney? Correct Ans - No, it is considered false and miss leading under the FDCPA. If a consumer has a verified home phone can I collector call the consumers neighbor? Correct Ans - No, you cannot Per reliant policy, can a collector continue communicating with a consumer once they have retained an attorney regarding the debt? Correct Ans - No, you may not discuss the debt with anyone other than the attorney. Can you ask the consumers neighbor to help you collect a debt? Correct Ans - No, you may not solicit assistance from a third-party to collect a debt. True or False: The word harassment is defined by the FDCPA. Correct Ans - False-The FDCPA does not define but provides some guidelines. When is a collector permitted to contact a consumers cell phone? Correct Ans - With the consumers permission. Under what circumstance can collection agencies add interest to a debt? Correct Ans - Only if authorized by the agreement creating the debt.

Per the FDCPA, what is the definition of location information? Correct Ans - Home address, home phone and place of employment. What message should be left on a machine at the number we've confirmed valid for the consumer? Correct Ans - The "Foti" message. When speaking with a third-party who asked you what the call is about, what do you say? Correct Ans - A personal business matter. Who enforces the FDCPA? Correct Ans - Federal trade commission.