ACA Practice Test
how many times can a debt collector contact a third party to request location information
regarding the consumer - Answer A. 2
B. 3
>> 1
D. 0
What information can you request from a third party? - Answer >> The consumer's
home address, home phone number and place of employment.
B. The consumer's home phone number, work phone number and place of employment.
C. The consumer's home address, cell phone number and place of employment.
D. The consumer's home phone number, work phone number and cell phone number.
Which of the following are right parties with whom you can always discuss the debt? -
Answer A. The consumer's parents.
B. The consumer's employer.
C. The consumer's accountant.
>>The executor of the estate of a deceased consumer.
The FDCPA allows debt collectors to contact a consumer: - Answer A. Between 8:00
a.m. and 9:00 p.m. in the collector's time zone.
>> Between 8:00 a.m. and 9:00 p.m. in the consumer's time zone.
C. Between 9:00 a.m. and 8:00 p.m. in the consumer's time zone.
D. Between 9:00 a.m. and 8:00 p.m. in the collector's time zone.
A debt collector may call a consumer as many times in a day as it takes to get a hold of
the consumer so long as the debt collector does not leave a message. - Answer False
A debt collector may not: - Answer A. Use an alias when attempting to collect a debt.
>> Use a post card to attempt to collect a debt.
C. Disclose the debt to a consumer's attorney.
D. Contact a consumer during the validation period.
A consumer can dispute the debt after the Validation Period has expired. - Answer True
A debt collector may imply he is an attorney if the account will be forwarded to an
attorney for collection. - Answer False
An individual debt collector can be personally sued under the FDCPA. - Answer True
When communicating with a consumer, a debt collector: - Answer A. Can be rude to a
consumer if the consumer is rude first.
B. Can demand immediate payment during the Validation Period.
C. Can imply that the consumer will be sued if it will influence the consumer to pay.
, >> Can contact the consumer at work if it is not inconvenient for the consumer.
When communicating with a consumer, a debt collector: - Answer >> Must disclose that
the communication is from a debt collector.
B. Must only communicate with the consumer once unless the debt collector believes
the consumer has updated information.
C. Must communicate with the consumer during business hours.
D. Must not disclose his employer unless specifically requested.
The FDCPA is: - Answer A. A random set of letters.
>> A federal law governing the ethical collection of past due debts.
C. The federal government agency enforcing debt collection laws.
D. A trade association for credit and collection professionals.
A written refusal to pay a debt: - Answer A. Requires no response by a debt collector.
B. Requires a debt collector to communicate with a consumer in writing.
C. Requires a debt collector to communicate with a consumer by telephone.
>> Requires a debt collector to cease communicating with a consumer regarding the
debt.
A debt collector can overshadow the Validation Period by: - Answer A. Requesting
payment in the first collection call.
B. Offering a settlement that expires after the validation period expires.
>> Demanding immediate payment during the validation period.
D. Not offering a settlement.
A debt collector must: - Answer >> Provide written notice of the intent to deposit a check
post dated by more than 5 days.
B. Contact a consumer between 10:00 a.m. and 7:00 p.m. in the collector's time zone.
C. Contact a third party repeatedly to obtain location information.
D. Increase the amount of the debt if the consumer does not pay.
A debt collector can provide information regarding a debt to a third party if the consumer
gives permission to disclose the information. - Answer True
When a consumer disputes a debt, the debt collector must: - Answer A. Continue
regular collection efforts.
>> Not apply payments to the disputed portion of the debt.
C. Explain the consumer's wages will be garnished.
D. File suit to collect the debt.
A debt collector who violates the FDCPA can be liable for: - Answer A. A minimum of
$1000 in statutory damages.
B. Actual damages of $1000 per violation.
>> Statutory damages of up to $1000 and attorney's fees.
D. Debt collectors cannot be sued under the FDCPA.
how many times can a debt collector contact a third party to request location information
regarding the consumer - Answer A. 2
B. 3
>> 1
D. 0
What information can you request from a third party? - Answer >> The consumer's
home address, home phone number and place of employment.
B. The consumer's home phone number, work phone number and place of employment.
C. The consumer's home address, cell phone number and place of employment.
D. The consumer's home phone number, work phone number and cell phone number.
Which of the following are right parties with whom you can always discuss the debt? -
Answer A. The consumer's parents.
B. The consumer's employer.
C. The consumer's accountant.
>>The executor of the estate of a deceased consumer.
The FDCPA allows debt collectors to contact a consumer: - Answer A. Between 8:00
a.m. and 9:00 p.m. in the collector's time zone.
>> Between 8:00 a.m. and 9:00 p.m. in the consumer's time zone.
C. Between 9:00 a.m. and 8:00 p.m. in the consumer's time zone.
D. Between 9:00 a.m. and 8:00 p.m. in the collector's time zone.
A debt collector may call a consumer as many times in a day as it takes to get a hold of
the consumer so long as the debt collector does not leave a message. - Answer False
A debt collector may not: - Answer A. Use an alias when attempting to collect a debt.
>> Use a post card to attempt to collect a debt.
C. Disclose the debt to a consumer's attorney.
D. Contact a consumer during the validation period.
A consumer can dispute the debt after the Validation Period has expired. - Answer True
A debt collector may imply he is an attorney if the account will be forwarded to an
attorney for collection. - Answer False
An individual debt collector can be personally sued under the FDCPA. - Answer True
When communicating with a consumer, a debt collector: - Answer A. Can be rude to a
consumer if the consumer is rude first.
B. Can demand immediate payment during the Validation Period.
C. Can imply that the consumer will be sued if it will influence the consumer to pay.
, >> Can contact the consumer at work if it is not inconvenient for the consumer.
When communicating with a consumer, a debt collector: - Answer >> Must disclose that
the communication is from a debt collector.
B. Must only communicate with the consumer once unless the debt collector believes
the consumer has updated information.
C. Must communicate with the consumer during business hours.
D. Must not disclose his employer unless specifically requested.
The FDCPA is: - Answer A. A random set of letters.
>> A federal law governing the ethical collection of past due debts.
C. The federal government agency enforcing debt collection laws.
D. A trade association for credit and collection professionals.
A written refusal to pay a debt: - Answer A. Requires no response by a debt collector.
B. Requires a debt collector to communicate with a consumer in writing.
C. Requires a debt collector to communicate with a consumer by telephone.
>> Requires a debt collector to cease communicating with a consumer regarding the
debt.
A debt collector can overshadow the Validation Period by: - Answer A. Requesting
payment in the first collection call.
B. Offering a settlement that expires after the validation period expires.
>> Demanding immediate payment during the validation period.
D. Not offering a settlement.
A debt collector must: - Answer >> Provide written notice of the intent to deposit a check
post dated by more than 5 days.
B. Contact a consumer between 10:00 a.m. and 7:00 p.m. in the collector's time zone.
C. Contact a third party repeatedly to obtain location information.
D. Increase the amount of the debt if the consumer does not pay.
A debt collector can provide information regarding a debt to a third party if the consumer
gives permission to disclose the information. - Answer True
When a consumer disputes a debt, the debt collector must: - Answer A. Continue
regular collection efforts.
>> Not apply payments to the disputed portion of the debt.
C. Explain the consumer's wages will be garnished.
D. File suit to collect the debt.
A debt collector who violates the FDCPA can be liable for: - Answer A. A minimum of
$1000 in statutory damages.
B. Actual damages of $1000 per violation.
>> Statutory damages of up to $1000 and attorney's fees.
D. Debt collectors cannot be sued under the FDCPA.
