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Fair Debt Collections Practices Act (FDCPA) questions with answers
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Fair Debt Collections Practices Act (FDCPA) questions with answers
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Fair Debt Collections Practices Act(FDCPA)
1. Which of the following is the correct response to consumer written requests that they not be
contacted again by debt collectors?
A. Collectors may send final demand letters.
B. Collectors may send letters explaining that defaulted obligations are being turned over to attorneys
for legal action.
C. Collectors may call and ask for verification of requests to cease communications.
D. Collectors may send letters that remind debtors of their legal obligations under the credit contracts. -
correct answer ✔✔B. Collectors may send letters explaining that defaulted obligations are being turned
over to attorneys for legal action.
There are only three types of communication that may be sent to a consumer who has given a written
notice to a debt collector to cease communications: (1) that further collection efforts will cease; (2) that
the collector may invoke a specific remedy ordinarily invoked by that collector; or (3) that the collector
intends to invoke a specific remedy.
2. Which of the following actions is most likely to be prohibited under the Fair Debt Collection Practices
Act?
A. Pursuant to a corporate policy, individual collectors using an alias when contacting consumers
B. Calling a consumer's neighbors to leave messages when the consumer has a telephone
C. Telling a consumer that a lawsuit would cause the consumer inconvenience and embarrassment
D. Referring to the fact that a consumer could be subjected to criminal prosecution for issuing bad
checks - correct answer ✔✔B. Calling a consumer's neighbors to leave messages when the consumer has
a telephone
A collector cannot make unnecessary calls to third parties. Calling a consumer's neighbor and leaving
messages when the consumer has a telephone is considered to be harassment. Although a collector may
not fail to meaningfully disclose his or her identity, the use of personal aliases as a corporate policy is
acceptable provided the collector is not using a false name for the business. Also, stating that a lawsuit
will cause embarrassment and inconvenience is not false or misleading. Properly making a reference to
, criminal prosecution of issuing a bad check is also not abusive provided the offense is one that can be
subject to such prosecution.
3. Which of the following communications would NOT be considered a deceptive communication under
the Fair Debt Collection Practices Act?
A. Reporting a disputed debt to a credit bureau without reporting it as disputed
B. Giving the consumer a disclosure that this is an attempt to collect a debt and any information used
will be used for that purpose
C. Sending the consumer a letter that appears to be a telegram from a debt collection service regarding
his or her thirty-day-past-due account that requests payment
D. Sending the consumer a letter stating that the account will be sent to an attorney for legal action
within 10 days, when no such action is actually intended - correct answer ✔✔B. Giving the consumer a
disclosure that this is an attempt to collect a debt and any information used will be used for that purpose
A collector must send notice that a debt is disputed at the time of the report. The collector must disclose
in the first communication that the debt collector is trying to collect a debt. Using communication
formats that misrepresent the nature of the message or convey a false sense of urgency is an abusive
practice. Stating that certain remedies will be taken when there is no present intention to do so is a
violation of the act.
4. A collector for First Collection Company, located in Chicago, makes calls to consumers all over the
country. He is responsible for 50 past-due accounts. Each day he begins calling all his accounts on a
rotating basis. What time constraints should he follow?
A. He should not call consumers anywhere in the country before 8:00 a.m. Chicago time.
B. He should not call any consumer before 8:00 a.m. at the consumer's location.
C. He should not call any consumer before 9:00 a.m. at the consumer's location.
D. He can use any time zone in the continental United States as the basis for the time restrictions, and
he should not call any consumer before it is 8:00 a.m. in the chosen time zone. - correct answer ✔✔B.
He should not call any consumer before 8:00 a.m. at the consumer's location.
The collector may contact a consumer only between the hours of 8:00 a.m. and 9:00 p.m., local time, at
the consumer's location.
5. When may a debt collector communicate with third parties about the consumer?
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