FDCPA for Collectors – Post Test Study
Guide and Practice Questions
The FDCPA only covers consumer debts that are in default. True or False -
correct answer ✔✔ 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 - correct
answer ✔✔ True
A validation notice must include the following: - correct answer ✔✔ 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: -
correct answer ✔✔ 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 - correct answer ✔✔ False
The Mini-Miranda applies only to the first written communication from a debt
collector to a consumer. True or False - correct answer ✔✔ False
If a consumer asks you in writing to cease communication, you are prohibited
from contacting the debtor again. - correct answer ✔✔ 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. - correct answer ✔✔ True
