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ACA Practice Test questions and answers graded A+ passed
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ACA Practice Test questions and answers graded A+ passed
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ACA Practice Testhow many times can a debt collector contact a third party to request location information regarding the
consumer - correct answer ✔✔A. 2
B. 3
>> 1
D. 0
What information can you request from a third party? - correct answer ✔✔>> The consumer's home
address, home phone number and place of employment.
B. The consumer's home phone number, work phone number and place of employment.
C. The consumer's home address, cell phone number and place of employment.
D. The consumer's home phone number, work phone number and cell phone number.
Which of the following are right parties with whom you can always discuss the debt? - correct answer
✔✔A. The consumer's parents.
B. The consumer's employer.
C. The consumer's accountant.
>>The executor of the estate of a deceased consumer.
The FDCPA allows debt collectors to contact a consumer: - correct answer ✔✔A. Between 8:00 a.m. and
9:00 p.m. in the collector's time zone.
>> Between 8:00 a.m. and 9:00 p.m. in the consumer's time zone.
C. Between 9:00 a.m. and 8:00 p.m. in the consumer's time zone.
D. Between 9:00 a.m. and 8:00 p.m. in the collector's time zone.
A debt collector may call a consumer as many times in a day as it takes to get a hold of the consumer so
long as the debt collector does not leave a message. - correct answer ✔✔False
, A debt collector may not: - correct answer ✔✔A. Use an alias when attempting to collect a debt.
>> Use a post card to attempt to collect a debt.
C. Disclose the debt to a consumer's attorney.
D. Contact a consumer during the validation period.
A consumer can dispute the debt after the Validation Period has expired. - correct answer ✔✔True
A debt collector may imply he is an attorney if the account will be forwarded to an attorney for
collection. - correct answer ✔✔False
An individual debt collector can be personally sued under the FDCPA. - correct answer ✔✔True
When communicating with a consumer, a debt collector: - correct answer ✔✔A. Can be rude to a
consumer if the consumer is rude first.
B. Can demand immediate payment during the Validation Period.
C. Can imply that the consumer will be sued if it will influence the consumer to pay.
>> Can contact the consumer at work if it is not inconvenient for the consumer.
When communicating with a consumer, a debt collector: - correct answer ✔✔>> Must disclose that the
communication is from a debt collector.
B. Must only communicate with the consumer once unless the debt collector believes the consumer has
updated information.
C. Must communicate with the consumer during business hours.
D. Must not disclose his employer unless specifically requested.
The FDCPA is: - correct answer ✔✔A. A random set of letters.
>> A federal law governing the ethical collection of past due debts.
C. The federal government agency enforcing debt collection laws.
D. A trade association for credit and collection professionals.
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