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FDCPA – Study Guide for Fair Debt Collection Practices Act-4.docx, Exams of Advanced Education

University of Buckingham (UB)Advanced Education

FDCPA – Study Guide for Fair Debt Collection Practices Act-4.docx

Typology: Exams

2025/2026

Available from 02/25/2026

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FDCPA – Study Guide for Fair Debt
Collection Practices Act
Your agency has received a creditor client complaint. Which of the following
most likely occurred? - correct answer ✔✔ 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? - correct answer ✔✔ The complaint was filed
by a consumer.
The FDCPA allows debt collectors to contact a consumer: - correct answer ✔✔
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? - correct answer ✔✔ Know your client.
You reach a consumer's co-worker. What should you say? - correct answer
✔✔ 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? - correct answer ✔✔ 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? - correct answer ✔✔ Contact the aunt a
second time to see if she can update or correct the consumer's account
information.
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FDCPA – Study Guide for Fair Debt

Collection Practices Act

Your agency has received a creditor client complaint. Which of the following most likely occurred? - correct answer ✔✔ 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? - correct answer ✔✔ The complaint was filed by a consumer. The FDCPA allows debt collectors to contact a consumer: - correct answer ✔✔ 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? - correct answer ✔✔ Know your client. You reach a consumer's co-worker. What should you say? - correct answer ✔✔ 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? - correct answer ✔✔ 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? - correct answer ✔✔ Contact the aunt a second time to see if she can update or correct the consumer's account information.

You have talked to a friend of the consumer two times. Are you allowed to call the friend a third time if you believe the friend has updated information?

  • correct answer ✔✔ Yes Which of the following are right parties with whom you can always discuss the debt? - correct answer ✔✔ The executor of the estate of a deceased consumer. When skip tracing, you can tell the third party which of the following? - correct answer ✔✔ You are confirming or correcting location information. How should you handle a skiptracing call? - correct answer ✔✔ Provide the name of your company if you are asked. Request location information about the consumer. Communicate with the same third party once, unless you have reason to believe the third party has new or corrected information. You call for a consumer named Pat Schmidt. When the person on the phone says, "Yes, I am Pat Schmidt," what is the best way to proceed? - correct answer ✔✔ You should ask Pat to verify his address, date of birth, middle initial and social security number. You reach a consumer's parent. What should you do? - correct answer ✔✔ Check with your agency, because some states have different laws on who constitutes a minor. The consumer tells you that a Power of Attorney is handling their personal business matters. What should you do? - correct answer ✔✔ Check your agency's policy for determining if written or verbal consent is required to speak with the Power of Attorney.

Which of the following should NOT be included in a validation notice? - correct answer ✔✔ A settlement offer that expires within 7 days. Which of the following would be considered a prohibited practice under the FDCPA? - correct answer ✔✔ Depositing the consumer's post-dated checks prior to the date on the checks. The Validation Period has not expired and the consumer says, "I don't owe this debt!My insurance was supposed to pay that bill!" What should you do? - correct answer ✔✔ You should continue your collection attempts. You receive a written notice disputing a portion of a debt, and you keep receiving payments. What should you do? - correct answer ✔✔ Apply the payments to the portion of the debt that has not been disputed. You receive a written cease communication request. What does the FDCPA allow you to do? - correct answer ✔✔ Call the consumer once to tell them that further collections will be stopped and the actions your agency usually takes in this situation. A consumer tells you that she has filed for bankruptcy and she has an attorney. What should you do? - correct answer ✔✔ Get the attorney's contact information and the specifics of the bankruptcy filing. A consumer's dispute of the bill has no impact on your collection approach. - correct answer ✔✔ False The following statement would be considered a dispute. "I can't pay that now." - correct answer ✔✔ False