Fdcpa test 2025 - Study guides, Class notes & Summaries

FDCPA Test| Rated A Questions and Verified Answers 100% Correct| Grade A (2024/ 2025) Q: A professional debt collector may communicate to a customer that a judgement has been obtained and wages may be garnished, if: Answer: A judgement has been obtained and the agency's next action will be to execute it through garnishment. (807) Q: True or False... Under the FDCPA, individual collectors are permitted to use an alias if they use it constantly. Answer: True (804)^ Q...

FDCPA Test| Questions and Verified Answers (2024/ 2025) 100% Correct| Grade A Q: True or false: professional debt collectors may refer to legal action as a collection possibility on all size accounts even if their policy is to sue on accounts larger that $250 Answer: False Q: True or false: a collector can demand immediate payment 21 days after the notice is sent Answer: False Q: True or false: collectors may say anything over the telephone that they are prohibited f...

FDCPA Test| Questions and Verified Answers 100% Correct| Grade A (2024/ 2025) Q: When must you identify the name of the company you are calling from when speaking with a 3rd party? a. Every time you speak to someone b. When specifically asked by the 3rd party c. Never Answer: b. When specifically asked by the 3rd party Q: When communicating with a consumer, a debt collector: A. Must only communicate with the consumer once unless the debt collector believes the consumer ha...

FDCPA Test Study Guide| Questions and Verified Answers 100% Correct| Grade A (2024/ 2025) Q: 803. Definitions 15 USC 1692a Q: 803. Bureau Answer: term means the Bureau of Consumer Financial Protection. Q: communication Answer: term means the conveying of information regarding a debt directly or indirectly to any person through any medium Q: consumer Answer: term means any natural person obli- gated or allegedly obligated to pay any debt Q: credi...

FDCPA Test Prep | Questions and Correct Solutions 2024 How many times can a debt collector contact a third party to request a location information regarding the consumer? - Answer -one what information can you request from a third party? - Answer -The consumer's home address, home phone, and place of employment which of the following are right parties with whom can always discuss the debt? a) the consumer's parents b)the consumer's employer c) the consumer's accountant d) the execu...

FDCPA Test Questions and Verified Solutions Latest Update True or False... The FDCPA allows professional collectors to contact customers between 8 am and 9 pm local time for customers. - Answer -True (805)! True or False... The FDCPA takes precedence over any state laws governing debt collection. - Answer -False (816)@ A validation is - Answer -An explanation of what an agency must do if a debt is disputed. Required by FDCPA. Or a written statement of the customer's right to dispute a d...