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FDCPA Test| Questions and Verified Answers
(202 5 / 202 6 Update) 100% Correct| A Grade
QUESTION
True or false: after a professional debt collector learns a consumer is represented by an attorney, the collector may still request location information from third parties Answer: False
QUESTION
According to the FDCPA, harassment or abuse does not include A. The use of an alias B. Using shaming tactics C. Causing the telephone to ring continuously D. Placing telephone calls without disclosing the collectors identity Answer: A. The use of an alias
QUESTION
True or false: the FDCPA takes precedence over every state law governing debt collection Answer: False
QUESTION
True or false: repeated phone calls to a consumer can be considered harassmwnt Answer: True
QUESTION
True or false: a professional debt collector is allowed to request payment in full when communicating with a consumer for the first time Answer: True
QUESTION
A collector is allowed to state on a collection form that legal action will be pursued if: A. The collection agency has the authority to take legal action B. The collection agency has made the decision to take legal action C. The collection agency intends to carry through with the action D. All of the above Answer: D. All of the above
QUESTION
Harassment or abuse does not include: A. Appealing to a consumers sense of pride B. Interrupting a consumer C. Accusing a consumer of lying D. None of the above Answer: A. Appealing to a consumers sense of pride
QUESTION
True or false: debt collectors are able to include harmless words or symbols on the envelopes as long as the words or symbols on the envelopes do not suggest the purpose of the communication. (Ex an envelope marked with "confidential", "personal" or "priority letter"
Answer: D. ECOA, FACT, FCRA, FAIR LENDING
QUESTION
A third party can be: A. Consumers neighbor B. Consumers employer C. Consumers parents, if consumer is over 21 D. All of the above Answer: D. All of the above
QUESTION
True or false: a debt collector may not falsely represent or imply they are an attorney or any communication with a debt is from an attorney if, in fact, it is not. Answer: True
QUESTION
True or false: professional debt collectors are prohibited from telling consumer that "an arrest warrant will be issued unless payment is made." Answer: True
QUESTION
True or false: the term "debt collector" means any person whose principal purpose is the collection of any debts owed or due to another
Answer: True
QUESTION
A collector may discuss details of a debt with: A. The mother of a 22 - year old college student B. The consumers accountant C. The consumers spouse per law D. None of the above Answer: C. The consumers spouse per law
QUESTION
True or false: professional debt collectors may refer to legal action as a collection possibility on all size accounts even if their policy is to sue on accounts larger that $ Answer: False
QUESTION
True or false: a collector can demand immediate payment 21 days after the notice is sent Answer: False
QUESTION
True or false: collectors may say anything over the telephone that they are prohibited from writing in letters Answer: False
Answer: False
QUESTION
When skip tracing, collectors should not: A. Ask for location information B. Identify themselves by name only C. State that they are trying to locate the person D. Use postcards Answer: D. Use postcards
QUESTION
Professional debt collectors may be sued for violations of the FDCPA and held liable for: A. Actual damages sustained by a person as a result of such violation B. Statutory damages not to exceed $1,000 per lawsuit C. The suing party's reasonable attorney's fees D. All of the above Answer: D. All of the above
QUESTION
True or false: according to the Brady decision, collection agencies are not required to report a disputed debt unless the consumer has disputed the debt in writing Answer: False
QUESTION
True or false: collectors may say anything over the telephone that they are prohibited from writing in letters
Answer: False
QUESTION
The federal government reserves the right to bring an administrative enforcement action against a debt collector A. At any time B. If the debt collector has committed similar violations in the past C. When the protection of the general public is at issue D. If the consumer does not have the appropriate funds to bring a private action Answer: C. When the protection of the general public is at issue
QUESTION
True or false: an inconvenient time to contact a consumer would be anytime defined as inconvenient by the consumer Answer: True
QUESTION
True or false: professional debt collectors may indicate they are legal advisors when I'm written communication Answer: False
QUESTION
When skip tracing, if Larry is asked, "whom do you work for?" Larry should Answer: A. An old friend of Jims, hoping to see him while I'm in town
QUESTION
True or false: only those individuals considered debt collectors are subject to the FDCPA Answer: True
QUESTION
Which of the following can be considered a form of harassment? A. Threatening violence B. Calling the consumer a liar C. Repeated phone calls to the consumer D. All of the above Answer: D. All of the above
QUESTION
Professional debt collectors may: A. Threaten to, but not actually deposit a post dated check prior to the date written on the check. B. Accept post dated check, but not deposit them prior to the date written on the check C. Never accept postdated checks prior to the date written on the check D. Deposit postdated checks prior to the date written on the clock Answer: B. Accept postdated checks, but not deposit them prior to the date written on the check
QUESTION
True or false: if the consumer tells the collector not to call him at his place of employment, the collector can still call him at work Answer: False
QUESTION
True or false: a debt collector may not use any false, deceptive or misleading representation or means in connection with collection of any debt Answer: True
QUESTION
True or False: the FDCPA allows professional debt collectors to contact customers between 8:00am and 9:00pm local time for the consumer. (In consumers time zone) Answer: True
QUESTION
Which of the following statements made by professional debt collectors would not be considered harassing? A. "You're really lazy! Why don't you get a job?" B. "I'll have to contact your employer if you don't pay your bill." C. "You shouldn't buy a house if you can't pay your bill." D. None of the above Answer: D. None of the above
QUESTION
True of False: when seeking location information, professional debt collectors may inform the consumers neighbor about the existence of a debt. Answer: False
Answer: A. Must identify themselves as debt collectors
QUESTION
True or false: professional debt collectors can be held liable for violation of the FDCPA to the same extent as their employers Answer: True
