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FDCPA Test Questions and Answers: 2025/2026, Exams of Business Administration

Chamberlain College of NursingBusiness Administration

A series of true or false questions and answers related to the fair debt collection practices act (fdcpa). It covers various aspects of debt collection practices, including communication with debtors, legal actions, and harassment. Useful for understanding the key provisions of the fdcpa and how they apply to debt collection practices.

Typology: Exams

2024/2025

Available from 01/18/2025

TheHub
TheHub 🇺🇸

3.9

(33)

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FDCPA Test Questions and Answers
2025/2026
True or False...
The FDCPA allows professional collectors to contact customers between 8 am and 9 pm local
time for customers.
True (805)!
True or False...
The FDCPA takes precedence over any state laws governing debt collection.
False (816)@
A validation is
An explanation of what an agency must do if a debt is disputed. Required by FDCPA. Or a written
statement of the customer's right to dispute a debt. (809)
True or False...
A professional debt collector should not continue communicating with the customer when the
collector knows the customer is represented by an attorney.
True (805)#
True or False...
A collection agency is allowed to refer to legal action only if the creditor actually intends to
proceed with legal action on the account on which the professional debt is attempting collection.
True (804)$
Location information is a customer's...
Place of residence,home phone number and place of employment. (804)
Professional debt collectors should never use obscene or profane language.
True (806)%
After a collector receives notice from the customer to stop communication the collector may:
Inform the customer that further collection efforts will cease, and list all the alternatives available. (805)
A professional debt collector may communicate to a customer that a judgement has been
obtained and wages may be garnished, if:
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FDCPA Test Questions and Answers

True or False... The FDCPA allows professional collectors to contact customers between 8 am and 9 pm local time for customers. True (805)! True or False... The FDCPA takes precedence over any state laws governing debt collection. False (816)@ A validation is An explanation of what an agency must do if a debt is disputed. Required by FDCPA. Or a written statement of the customer's right to dispute a debt. (809) True or False... A professional debt collector should not continue communicating with the customer when the collector knows the customer is represented by an attorney. True (805)# True or False... A collection agency is allowed to refer to legal action only if the creditor actually intends to proceed with legal action on the account on which the professional debt is attempting collection. True (804)$ Location information is a customer's... Place of residence,home phone number and place of employment. (804) Professional debt collectors should never use obscene or profane language. True (806)% After a collector receives notice from the customer to stop communication the collector may: Inform the customer that further collection efforts will cease, and list all the alternatives available. (805) A professional debt collector may communicate to a customer that a judgement has been obtained and wages may be garnished, if:

A judgement has been obtained and the agency's next action will be to execute it through garnishment. (807) True or False... Under the FDCPA, individual collectors are permitted to use an alias if they use it constantly. True (804)^ True or False... Professional debt collectors may ask a customer's neighbor to aide in the collection of debt. False (805)& True or False: An agency can legally use the company's initials on the outside of envelopes when sending collection notices. True (804)* If a debtor requests that the communication be stopped at the debtor's place of employment: A collector must immediately stop communication at this number. (806) When can a professional collector contact a customer's employer? When skiptracking (805) True or False... The word "harassment" is defined under section 803 "Definitions" under FDCPA. False (803)( Professional collectors may not disclose the purpose of their communication when... contacting the customer's employer. True or False... A collection agency is allowed to report information on past due accounts to credit reporting services if it is the agency's normal policy to do so and is authorized by the creditor. True (807)) True or False... The FDCPA defines a customer as any person obligated by the creditor to pay a debt. True (803)- True or False... If a collector threatens "If you do not pay this amount your possessions will be sold." it will constitute a false and misleading reputation. True. (807)= True or False... Professional collectors may refer to legal action as a collection possibility on all size accounts even if their agency policy is to sue only accounts larger than $250. False (807)~ Under what circumstances can collection agencies add interest to debt?