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Fair Debt Collection Practices Act (FDCPA)Questions with complete solutions
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Fair Debt Collection Practices Act (FDCPA)Questions with complete solutions
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Fair Debt Collection Practices Act(FDCPA)
A law that gives consumers protection against unprofessional and harassing behavior when attempting
to collect on a debt - correct answer ✔✔Fair Debt Collection Practices Act (FDCPA)
T or F: The FDCPA was enacted to protect consumers from abusive, unfair, and deceptive debt collection
practices, and provide guidance to debt collectors on avoiding practices that are abusive, unfair, or
deceptive. - correct answer ✔✔TRUE
T or F: Debts covered under the FDCPA include personal, family, and household debts as well as
automobile loans, credit card debts, and money owed for medical bills - correct answer ✔✔TRUE
Means more than just the person who owes the debt; it also means the debtor's spouse, parents (if the
debtor is a minor), legal guardian, and/or confirmed successor in interest - correct answer ✔✔Consumer
T or F: A debt collector is usually a third party whose business is to collect debts owed to a creditor. That
is, their primary business is collecting on debts that are not owed directly to them, but to another entity.
- correct answer ✔✔TRUE
T or F: The two most common debt collectors are debt collection agencies and collection attorneys. -
correct answer ✔✔TRUE
A debt collector calls a debtor's sister in an attempt to locate the debtor. The collector identifies himself
and then explains that the purpose of his call is to find out the location of the debtor because he owes
money on a debt. Has the debt collector violated the FDCPA? - correct answer ✔✔Yes
T or F: A debt collector may contact a consumer in person, by mail, by telephone, by telegram, by fax, or
electronically, such as by email or social media - correct answer ✔✔TRUE
T or F: A debt collector may contact a consumer between 8 am and 9 pm at the consumer's local time,
unless the consumer asks to be contacted at another more convenient time (Calling outside of
, convenient hours is a common violation of the FDCPA, the most common being a high volume of calls) -
correct answer ✔✔TRUE
T or F: If an attorney represents a consumer, the debt collector must only communicate with the
attorney, unless the consumer requests otherwise or the attorney does not respond to a communication
from the debt collector in a reasonable amount of time - correct answer ✔✔TRUE
What is the most common violation of FDCPA?
A. Disclosing debt to acquaintances
B. Calling outside of convenient hours
C. Failure to self-identify
D. Repeatedly calling the debtor - correct answer ✔✔D. Continuous calls are the number one complaint
of FDCPA
A debt collector makes a telephone call to every member of a consumer's family and several of her
neighbors before locating the whereabouts of the consumer. Is this harrassment? - correct answer
✔✔No. A debt collector may contact third parties one time to confirm correct location information. The
FDCPA does not put a limit on the number of third parties that may be contacted.
Harrassment:
1. Contact consumers during inconvenient hours (before 8am or after 9pm at the consumer's local time)
2. Repeatedly telephone consumers and/or their friends, relatives and neighbors with the intent to
annoy those individuals
3. Call a consumer about a particular debt more than 7 times in 7 days
4. Using a medium of communication after asked the debt collect to stop
5. Contact consumers without identifying themselves
6. Use or threaten to use violence to collect a debt
7. Use obscene or profane language
8. Publish a list of consumers who refuse to pay their debts (except to a credit bureau) - correct answer
✔✔TRUE
Which of the following are ways to mislead a debtor, intentionally or not
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