FDCPA study set Questions with correct Answers 100% Accurate

FDCPA study set Questions with correct Answers 100% Accurate True or false: The FDCPA allows you to discuss, with a third party, the borrow's debt information if you have prior consent from the borrower. True True or false: A debt collector MAY NOT use any false representation or deceptive info while collecting True Brainpower Read More Previous Play Next Rewind 10 seconds Move forward 10 seconds Unmute 0:05 / 0:15 Full screen True or false: The FDCPA allows you to say that the documents you deliver are "legal process". False True or false: Communicating with a borrower regarding a debt via a postcard is ALLOWED by the FDCPA. False True or false: The FDCPA states that making calls to a borrower at his/her place of employment is prohibited if you have reason to believe that the employer prohibits this True True or false: The FDCPA allows you to advise the borrower that failure to respond to the lender will result in legal action *whether such action is intended to be taken or not.* False True or false: When leaving behind a contact letter, it is OK to write on the outside of the envelope the name of the lender and the amount of the unpaid debt. False True or false: The FDCPA allows for borrowers to receive damages from collectors who violate any provision of the Act, to include any actual damages sustained by the borrower plus court damages up to $100,000. True True or false: The FDCPA forbids the discussion of consumer debt information with the consumer's spouse. False True or false: If you contact a relative or borrower who has prior knowledge of the borrower's debt information, the relative may grant you permission to discuss the details of such debt information. False True or false: You cannot be held personally liable for violations of the FDCPA False True or false: You have to identify yourself and the company name if asked by a third party. True True or false: You may not communicate any false promises or offers that you do not have authority to make or the ability to fulfill. True True or false: The Federal Trade Commission (FTC) is the US government office empowered to enforce the FDCPA True True or false: If you only have an address for a third party, it is fine to send a post card requesting the contact us. False You may not allow the phone to ring more than: A: 5x or 30 seconds B: 10x or 1 minute C: 7x or 1 minute D: 10x or 30 seconds B The Miranda Warning should be given: A: On all calls B: Only on initial contact with the right party C: Every time you speak with the right party D: Every 7 days after speaking with the right party C The FDCPA is an acronym for? (type out all 5 words) Fair Debt Collection Practices Act What is DEFINITELY considered harassment? A. Calling a debtor everyday B. Using obscene or profane language at the debtor C. Leaving a message every 7 days D. Leaving a message every day B Which one of the following is a false representation? A. Telling the debtor we will take legal action that is not intended to be taken B. Telling the debtor that something that is reported to credit, will go on the credit report C. Telling the debtor the name of our company & who we represent D. Telling the debtor we will call them back A When speaking to a third party what information can you give to them? A: The amount of the bill B: Patient's name and date of service C: Nothing, but you can ask them for information D: Our name and who represent C What is the earliest time we are allowed to call a debtor in their time zone? 8am When a debtor tells you "do not call me anymore" what should you do? A. Call the patient back B. Call their cell number C. Remove number and stop calling D. Call work number C