FDCPA Exam Questions and Answers
100% Solved | Latest Update
According to the FDCPA only, in a community property state, you may
speak with the consumer's spouse in connection with the collection of a
debt. (T/F)? - ✔✔TRUE- can always speak with spouse in a community
property state
In a non-community property state, you may speak with the consumer's
spouse in connection with the collection of a debt. (T/F)? - ✔✔FALSE
FALSE- If they are requesting validation we can't use against them in court
- ✔✔If the consumer fails to dispute the validity of a debt, it constitutes
an admission of liability that can be used against them in court. (T/F)?
Per P&F requirements, when leaving a message on a consumer's
answering machine you must also leave a 'mini miranda' (T/F)? -
✔✔TRUE
If the consumer has multiple accounts that this office is collecting on, the
consumer can state how they wish for their payment to be applied on those
, accounts (T/F)? - ✔✔TRUE- consumer can pay $75 on one account and
pay $25 on another account
After a debt collector knows that an attorney represents a consumer, the
debt collector is still permitted to contact 3rd parties for the purpose of skip-
tracing the consumer (T/F)? - ✔✔FALSE- no skip tracing if they are
represented by an attorney
According the FDCPA, the term communication means only verbal
communications, and not written communications made directly, or
indirectly, to any person. (T/F)? - ✔✔FALSE
An attorney who represents a consumer on one P&F account can prohibit
debt collection on another account that P&F is collecting on, even if the
attorney does not represent the consumer on that account (T/F)? -
✔✔FALSE- I would need to confirm what account the attorney is on
When obtaining location information for skip tracing, prior to requesting any
information you are required to disclose that you are attempting to locate
the consumer. (T/F)? - ✔✔TRUE- We don't contact 3rd parties for skip
tracing. We don't call neighbors or employers for skip tracing
100% Solved | Latest Update
According to the FDCPA only, in a community property state, you may
speak with the consumer's spouse in connection with the collection of a
debt. (T/F)? - ✔✔TRUE- can always speak with spouse in a community
property state
In a non-community property state, you may speak with the consumer's
spouse in connection with the collection of a debt. (T/F)? - ✔✔FALSE
FALSE- If they are requesting validation we can't use against them in court
- ✔✔If the consumer fails to dispute the validity of a debt, it constitutes
an admission of liability that can be used against them in court. (T/F)?
Per P&F requirements, when leaving a message on a consumer's
answering machine you must also leave a 'mini miranda' (T/F)? -
✔✔TRUE
If the consumer has multiple accounts that this office is collecting on, the
consumer can state how they wish for their payment to be applied on those
, accounts (T/F)? - ✔✔TRUE- consumer can pay $75 on one account and
pay $25 on another account
After a debt collector knows that an attorney represents a consumer, the
debt collector is still permitted to contact 3rd parties for the purpose of skip-
tracing the consumer (T/F)? - ✔✔FALSE- no skip tracing if they are
represented by an attorney
According the FDCPA, the term communication means only verbal
communications, and not written communications made directly, or
indirectly, to any person. (T/F)? - ✔✔FALSE
An attorney who represents a consumer on one P&F account can prohibit
debt collection on another account that P&F is collecting on, even if the
attorney does not represent the consumer on that account (T/F)? -
✔✔FALSE- I would need to confirm what account the attorney is on
When obtaining location information for skip tracing, prior to requesting any
information you are required to disclose that you are attempting to locate
the consumer. (T/F)? - ✔✔TRUE- We don't contact 3rd parties for skip
tracing. We don't call neighbors or employers for skip tracing
