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FDCPA Study Guide Questions and Answers with Complete Solutions |Rated A+
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FDCPA Study Guide Questions and Answers with Complete Solutions |Rated A+
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FDCPA Study Guide Questions and Answers withComplete Solutions |Rated A+
A debt collector must send a "validation notice" within how long after first contacting a
debtor? a) One day 6) Five days c) Ten business days d) Whenever the debt collector gets
around to it - ✔✔6) Five days
If a debtor advises a debt collector he is disputing the debt, what does the debt collector have
to do? AD Validate the debt if the debt collector wants to continue collectien b) Offer a
settlement to not have to validate the debt c) Both d) Neither - ✔✔AD Validate the debt if
the debt collector wants to continue collectien
A debt collector can use profanity in a conversation with a debtor: a) If the debtor insults the
debt collector b) If the debt collector thinks the debtor usually talks like that anyway c)
Typically not, but acceptable in a few circumstances O Never - ✔✔O Never
22) It is permissible to subtlety embarrass the debtor and thereby coerce payment of the debt.
TRUE FALSE - ✔✔FALSE
A debt collector may threaten a debtor with violence or harm: - ✔✔Never
, garnish the debtor's wages if the debtor refuses to pay. A debt collector can inform a
debtor that the debt collector will TRUE FALSE - ✔✔FALSE
If a debtor is represented by an attorney and the attorney will not return the debt collectors
calls, can a debt collector contact the debtor? No, the debtor is represented by an attorney b)
Yes, if the attorney will not respond, the debt collector can still try to collect c)) Yes, but only to
obtain the debtor's attorney's contact information. d) Yes, the FDCPA requires a debt collector
to let a debtor know if the debtor's attorney is not doing her job - ✔✔c)) Yes, but only to
obtain the debtor's attorney's contact information.
A debt collector may speak to a debtor about the debt if the debtor is represented by an
attorney and: ADA debt collector can never speak to a debtor directly if the debtor is
represented by an attorney. b) The debtor's attorney has advised the debt collector the
conversation is permitted. c) Both d) Neither - ✔✔b) The debtor's attorney has advised
the debt collector the conversation is permitted.
Under the FDCPA, the "venue" for which a lawsuit against a debtor may be brought is: a) The
county or judicial district where the debtor resides b) The county or judicial district where the
contract was signed C)) Both d) Neither - ✔✔C)) Both
Under the FDCPA, the "venue" for which a lawsuit against a debtor may be brought: a) The
county or judicial district where the creditor is based b) The county or judicial district where
the services were rendered c) Both d) Neither - ✔✔d) Neither
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