FDCPA Study Guide โ Complete With
Solutions
Your agency has received a creditor client complaint.Which of
the following most likely occurred? โ Ans - The
complaint was filed by a client through their own investigation
or information received from a consumer.
Your agency has received a Better Business Bureau Complaint.
Which of the following most likely occurred? โ Ans - The
complaint was filed by a consumer.
The FDCPA allows debt collectors to contact a consumer:
โ Ans - Between 8:00 a.m. and 9:00 pm. in the consumer's
time zone.
In order to avoid a lawsuit, which of the following is the best
approach to take? โ Ans - Know your client.
You reach a consumer's co-worker. What should you say?
โ Ans - Ask the co-worker if he can verify the consumer is
still employed there, home phone number and home address.
A consumer's friend asks, "Who are you and what is this
about?"What should you say? โ Ans - Say the name of
your company and, "I'm calling about a personal business
matter. Do you
know when he will be home?"
You talk to a consumer's aunt who gave you a number to reach
the consumer. After calling the number you find out that the
consumer no longer lives there. What should you do?
โ Ans - Contact the aunt a second time to see if she can
update or correct the consumer's account
information.
