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FDCPA for SWBC Collectors questions n answers rated A+
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FDCPA for SWBC Collectors questions n answers rated A+
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FDCPA for SWBC CollectorsCourts rule on FDCPA violations based on the standard of the "least sophisticated consumer". T or F -
correct answer ✔✔T
Defaulted consumer debts are the only debts covered by the FDCPA. T or F - correct answer ✔✔F
If you violate a provision of the FDCPA, you may be held liable to the same degree as your employer. T or
F - correct answer ✔✔T
To be held liable for a violation of the FDCPA, a consumer has to demonstrate that a collector's actions
deceived him or her. T or F - correct answer ✔✔F
If a credit grantor collects its own debts, whether in default or not, under another business name, it is
covered by the FDCPA. - correct answer ✔✔T
A collector may use attorney letterhead for collection notices so long as the attorney establishes the
policy for when such letters are generated and is a current employee or agent of the collection unit -
correct answer ✔✔...
Advising a debtor that you will contact his or her spouse about a debt is defined as harassment under
the FDCPA. - correct answer ✔✔...
If the only time you can reach a consumer is 5:30 pm and she tells you that's not a good time to call, you
must not call again at that time. - correct answer ✔✔...
Advising a debtor that you will contact his or her spouse about a debt is defined as harassment under
the FDCPA - correct answer ✔✔...
If the only time you can reach a consumer is 5:30 pm and she tells you that's not a good time to call, you
must not call again at that time. - correct answer ✔✔...
, If the parent of an adult debtor says that he or she is now handling the debtor's account, you may ask
when the parent will send the next payment on the account. - correct answer ✔✔...
It is always illegal to communicate about a debt with a consumer's parent. - correct answer ✔✔...
It is legal to send collection letters on an attorney's letterhead even if the attorney does not review the
file for each letter sent or approve when a particular letter is sent. - correct answer ✔✔...
The FDCPA prohibits collection calls to a debtor's workplace if the employer does not allow such calls or
the consumer asks you not to call there. - correct answer ✔✔...
Under no circumstances are you permitted to contact a debtor after 9 PM. - correct answer ✔✔...
You call Pat Paylate at work; she asks you to call her when she gets home, which will be after 10 pm local
time. You agree and schedule the account for a recall. Is such a call permitted by the FDCPA? - correct
answer ✔✔...
You may contact a third party to confirm or correct debtor location information only if you have prior
permission of the debtor. - correct answer ✔✔...
You may contact a third party without prior permission of the debtor to confirm or correct - correct
answer ✔✔A. home address and work address.
B. employer name and work phone number.
C. home address and phone number.
D. All of the above
You work in the Mountain Time Zone, where it is now 7:15 PM. Without prior permission, can you call a
consumer in the Eastern Time Zone? - correct answer ✔✔T
When you call a nearest relative to determine a debtor's correct address, you must tell the person that
you are calling about a past-due account if asked. - correct answer ✔✔F
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