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FDCPA for Collectors Post Test 2024 with Answers, Exams of Business Administration

University of CambridgeBusiness Administration

A post-test for the fair debt collection practices act (fdcpa) for collectors, completed with correct answers. It covers topics such as the scope of the fdcpa, validation notices, communication with debtors, and attorney involvement. The test includes 20 questions with true or false and multiple-choice answers.

Typology: Exams

2024/2025

Available from 09/13/2024

NurseMaryK
NurseMaryK 🇬🇧

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FDCPA for Collectors Post Test 2024|Completed | Questions and
Correct Answers (Verified Answers) | A Grade
The FDCPA only covers consumer debts that are in default. True or False -
✔✔False
Collection activities on a portfolio of accounts that includes charge-offs
purchased from another creditor, as well as late delinquency accounts owed
to your own employer are governed by the FDCPA. True or False - ✔✔True
A validation notice must include the following: - ✔✔The amount of the debt
owed and the name of the creditor to whom the debt is owed.
One acceptable form of validation or verification of debt is a court order of: -
✔✔Judgment
It is legal and appropriate to tell a debtor, within the first moth after
placement of the debt for collection, that the balance of the account is due
"immediately. True or False - ✔✔False
The Mini-Miranda applies only to the first written communication from a debt
collector to a consumer. True or False - ✔✔False
If a consumer asks you in writing to cease communication, you are
prohibited from contacting the debtor again. - ✔✔False
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FDCPA for Collectors Post Test 2024|Completed | Questions and

Correct Answers (Verified Answers) | A Grade

The FDCPA only covers consumer debts that are in default. True or False - ✔✔False Collection activities on a portfolio of accounts that includes charge-offs purchased from another creditor, as well as late delinquency accounts owed to your own employer are governed by the FDCPA. True or False - ✔✔True A validation notice must include the following: - ✔✔The amount of the debt owed and the name of the creditor to whom the debt is owed. One acceptable form of validation or verification of debt is a court order of: - ✔✔Judgment It is legal and appropriate to tell a debtor, within the first moth after placement of the debt for collection, that the balance of the account is due "immediately. True or False - ✔✔False The Mini-Miranda applies only to the first written communication from a debt collector to a consumer. True or False - ✔✔False If a consumer asks you in writing to cease communication, you are prohibited from contacting the debtor again. - ✔✔False

After you receive a written request to cease communication, you may still contact a debtor to advise him or her of collection action you plan to take in the ordinary course of business. - ✔✔True You must honor a written request to cease communication with an adult debtor when the request comes from: - ✔✔The debtor or a debtor's spouse You must follow a debtor's instructions for application of a payment to multiple accounts when a dispute is involved. - ✔✔True If a consumer disputes the accuracy of the balance, but not that the account is owed, you may continue collection effort on... - ✔✔the undisputed portion When you are skip-tracing, it is always a third-party disclosure violation to give the name of your employer. True or False - ✔✔False When you call to confirm or correct debtor location information, you may ask for: - ✔✔Home address and home phone number Does the following question to a third-party violate the FDCPA: "Do you know if your neighbor works nights?" - ✔✔Yes

A debt collector leaves a Dallas-area phone number on a debtor's answering machine in Indiana. Is that permissible? - ✔✔No You may not accept a check post-dated by more than 5 days unless you notify the check writer in writing of your intention to deposit the check at leat 3 days and not more than days before doing so. - ✔✔ 10 When you call and a debtor in a community property state wont talk to you, the next time you call and his wife answers the phone, you can just give her your real first name and tell her that you are a business associate of her husband True or False - ✔✔False