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FDCPA Exam(questions with 100% correct answers)
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FDCPA Exam(questions with 100% correct answers)
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FDCPA ExamAccording to the FDCPA only, in a community property state, you may speak with the consumer's spouse
in connection with the collection of a debt. (T/F)? - correct answer ✔✔TRUE- can always speak with
spouse in a community property state
In a non-community property state, you may speak with the consumer's spouse in connection with the
collection of a debt. (T/F)? - correct answer ✔✔FALSE
FALSE- If they are requesting validation we can't use against them in court - correct answer ✔✔If the
consumer fails to dispute the validity of a debt, it constitutes an admission of liability that can be used
against them in court. (T/F)?
Per P&F requirements, when leaving a message on a consumer's answering machine you must also leave
a 'mini miranda' (T/F)? - correct answer ✔✔TRUE
If the consumer has multiple accounts that this office is collecting on, the consumer can state how they
wish for their payment to be applied on those accounts (T/F)? - correct answer ✔✔TRUE- consumer can
pay $75 on one account and pay $25 on another account
After a debt collector knows that an attorney represents a consumer, the debt collector is still permitted
to contact 3rd parties for the purpose of skip-tracing the consumer (T/F)? - correct answer ✔✔FALSE- no
skip tracing if they are represented by an attorney
According the FDCPA, the term communication means only verbal communications, and not written
communications made directly, or indirectly, to any person. (T/F)? - correct answer ✔✔FALSE
An attorney who represents a consumer on one P&F account can prohibit debt collection on another
account that P&F is collecting on, even if the attorney does not represent the consumer on that account
(T/F)? - correct answer ✔✔FALSE- I would need to confirm what account the attorney is on
, When obtaining location information for skip tracing, prior to requesting any information you are
required to disclose that you are attempting to locate the consumer. (T/F)? - correct answer ✔✔TRUE-
We don't contact 3rd parties for skip tracing. We don't call neighbors or employers for skip tracing
A violation under the FDCPA is determined by applying the "Most Sophisticated Consumer" standard.
(T/F)? - correct answer ✔✔FALSE- not a violation, so false
When skip tracing, a debt collector should only give his name, unless he/she is specifically asked where
they are calling from. (T/F)? - correct answer ✔✔TRUE- don't just offer a company name to a third party
When speaking with a consumer, the collector must always identify himself, and that they are actually a
debt collector, or representative of a debt collection company, before continuing the conversation. (T/F)?
- correct answer ✔✔TRUE
If a debt collector learns from the consumer that they are represented by an attorney in connection with
this debt, the debt collector can only communicate with the attorney, unless the attorney gives
permission to speak with the consumer. (T/F)? - correct answer ✔✔TRUE
Placing calls, and making contact with the consumer without revealing the collector's identity is a
violation of FDCPA. (T/F)? - correct answer ✔✔TRUE
It is okay to refer to the consumer as a defendant before a lawsuit is filed. (T/F)? - correct answer
✔✔FALSE- We don't call CNS a defendant while on the phone. Just call them by their name.
Contacting a consumer's creditor (not the one holding the account P&F is collecting on) to obtain
banking information on the consumer is not a violation of FDCPA. (T/F)? - correct answer ✔✔FALSE-
When skip tracing we don't want to actually contact their banking institution
It is a violation of FDCPA to try to collect a debt after the consumer has timely disputed the account
either orally, or in writing and before P&F has verified the debt. (T/F)? - correct answer ✔✔TRUE- for
new placement, 45 day validation (to dispute debt)
Under P&F policy, a verbal C&D will be honored. (T/F)? - correct answer ✔✔TRUE-
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