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FDCPA Test – Questions And Correct Answers, Exams of Public Health

Chamberlain College of NursingPublic Health

FDCPA Test – Questions And Correct Answers

Typology: Exams

2025/2026

Available from 12/10/2025

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FDCPA Test – Questions And Correct
Answers
True or False...
The FDCPA allows professional collectors to contact customers
between 8 am and 9 pm local time for customers. Correct
Ans - True (805)!
True or False...
The FDCPA takes precedence over any state laws governing
debt collection. Correct Ans - False (816)@
A validation is Correct Ans - 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. Correct Ans -
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. Correct Ans - True (804)$
Location information is a customer's... Correct Ans -
Place of residence,home phone number and place of
employment. (804)
Professional debt collectors should never use obscene or
profane language. Correct Ans - True (806)%
After a collector receives notice from the customer to stop
communication the collector may: Correct Ans -
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FDCPA Test – Questions And Correct

Answers

True or False... The FDCPA allows professional collectors to contact customers between 8 am and 9 pm local time for customers. Correct Ans - True (805)! True or False... The FDCPA takes precedence over any state laws governing debt collection. Correct Ans - False (816)@ A validation is Correct Ans - 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. Correct Ans - 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. Correct Ans - True (804)$ Location information is a customer's... Correct Ans - Place of residence,home phone number and place of employment. (804) Professional debt collectors should never use obscene or profane language. Correct Ans - True (806)% After a collector receives notice from the customer to stop communication the collector may: Correct Ans -

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: Correct Ans - 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. Correct Ans - True (804)^ True or False... Professional debt collectors may ask a customer's neighbor to aide in the collection of debt. Correct Ans - False (805)& True or False: An agency can legally use the company's initials on the outside of envelopes when sending collection notices. Correct Ans

  • True (804)* If a debtor requests that the communication be stopped at the debtor's place of employment: Correct Ans - A collector must immediately stop communication at this number. (806) When can a professional collector contact a customer's employer? Correct Ans - When skiptracking (805) True or False... The word "harassment" is defined under section 803 "Definitions" under FDCPA. Correct Ans - False (803)( Professional collectors may not disclose the purpose of their communication when... Correct Ans - contacting the customer's employer.

Professional collectors may... Correct Ans - accept posted checks but may not deposit them prior to the date written on the check. (808) True or False... If the customer asks the collector to not call him/her at work, the collector still is able to do so. Correct Ans - False (805)[ When skiptracking the collector should not... Correct Ans

  • use postcards. (804) True or False... Collectors are allowed to post a list of customers in the window. Correct Ans - False (806)] True or False... Harassment is any act that makes a person feel harassed. Correct Ans - True (804)\