FDCPA for Collectors Post Test
โ Q&A
The FDCPA only covers consumer debts that are in default.
True or False โ Ans - 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 โ Ans - True
A validation notice must include the following: โ Ans -
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: โ Ans - 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 โ Ans -
False
The Mini-Miranda applies only to the first written
communication from a debt collector to a consumer. True or
False โ Ans - False
If a consumer asks you in writing to cease communication, you
are prohibited from contacting the debtor again. โ Ans -
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.
โ Ans - True
