FDCPA Tests| Rated A Questions and Verified
Answers 100% Correct| Grade A (2024/ 2025
Updates STUDY BUNDLE WITH COMPLETE
SOLUTIONS)
In what year did the Fair Debt Collection Practices Act ("FDCPA") become law?
a)1977
b)1990
c)2006 - ANSWERa)1977
The FDCPA applies to:
a) Debt collectors
b) Creditors
c) Both
d) Neither - ANSWERa) debt collectors
Debt collectors are prohibited from contacting debtors by which of the following
means?
a) Email
b) Fax
c) Postcard
d) Social Media Messaging - ANSWERc) Postcard
The FDCPA is a strict construction statute, which means there is no room for
speculation or interpretation as to its terms. TRUE FALSE - ANSWERTRUE
When is the earliest a debt collector may contact a debtor? a) 7:00 AM in the
debtor's time zone 6) 8:00 AM in the debtor's time zone c) 8:00 AM in the debt
collector's time zone d) Anytime - ANSWERa) 6) 8:00 AM in the debtor's time zone
When is the latest a debt collect may contact a debtor? a) 5:00 PM in the debtor's
time zone ) 9:00 PM in the debtor's time zone 9:00 PM in the debt collector's time
zone d) Anytime - ANSWER) 9:00 PM in the debtor's time zone
Can a debt collector contact a debtor at work? a) No, the FDCPA covers personal
debts, not work-related debts b) Yes, the debtor can be called at work at any time V
Yes, but only if the debtor has not informed the debt collector that the debtor
cannot receive calls at work and the debtor's employer permits those types of calls
d) Yes, but only if the debtor's employer offered to pay some of the debt -
ANSWERYes, but only if the debtor has not informed the debt collector that the
debtor cannot receive calls at work and the debtor's employer permits those types
of calls
, A debt collector may discuss the following with the debtor's friends, family
members, or employers: a) The amount owed The name of the creditor(s) c)
Contact/location information d) The debtor's finances - ANSWERc) Contact/location
information
If a debtor informs a debt collector he is represented by an attorney the debt
collector may communicate with either the debtor's attorney or the debtor. a) TRUE
FALSE - ANSWERFALSE
What types of debts are covered under the FDCPA? a) Personal Business Any debt a
debt collector is attempting to collect - ANSWERPersonal
Can a debt collector seek interest on a collections account? a Yes, but only if the
debtor is aware of the account b) Yes, but only if the debtor made partial payments
to the creditor c) No, any collection of interest is a violation of the FDCPA d) Yes, but
only if permitted by law or included in the contract signed by the debtor - ANSWERd)
Yes, but only if permitted by law or included in the contract signed by the debtor
Under the FDCPA, a debtor is only obligated to pay what she can afford: -
ANSWERFalse.
A debtor can stop a debt collection agency from contacting them by:a) Only by
paying the debt ) Sending a certified letter telling the debt collector to stop c) Filing a
lawsuit and seek protection under the FDCPA d)Contacting the debt collector and
request it stops - ANSWERd)Contacting the debt collector and request it stops
A debtor's request to stop contacting her is known as "cease and desist" under the
FDCPA. TRUE b) FALSE - ANSWERTRUE
A debtor can only request a debt collector stop contacting him if the debtor proves
he does not owe the debt. TRUE FALSE - ANSWERFALSE
If a debtor requests "cease and desist" on an account, a debt collector may not file
suit on the account. TRUE FALSE - ANSWERFALSE
A legal pleading is considered a communication for purposes of "cease and desist"
for the FDCPA. TRUE FALSE - ANSWERFALSE
TRUE FALSE A debt collector is obligated under the FDCPA to offer a settlement on
every account: - ANSWERFALSE
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 - ANSWER6) 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
Answers 100% Correct| Grade A (2024/ 2025
Updates STUDY BUNDLE WITH COMPLETE
SOLUTIONS)
In what year did the Fair Debt Collection Practices Act ("FDCPA") become law?
a)1977
b)1990
c)2006 - ANSWERa)1977
The FDCPA applies to:
a) Debt collectors
b) Creditors
c) Both
d) Neither - ANSWERa) debt collectors
Debt collectors are prohibited from contacting debtors by which of the following
means?
a) Email
b) Fax
c) Postcard
d) Social Media Messaging - ANSWERc) Postcard
The FDCPA is a strict construction statute, which means there is no room for
speculation or interpretation as to its terms. TRUE FALSE - ANSWERTRUE
When is the earliest a debt collector may contact a debtor? a) 7:00 AM in the
debtor's time zone 6) 8:00 AM in the debtor's time zone c) 8:00 AM in the debt
collector's time zone d) Anytime - ANSWERa) 6) 8:00 AM in the debtor's time zone
When is the latest a debt collect may contact a debtor? a) 5:00 PM in the debtor's
time zone ) 9:00 PM in the debtor's time zone 9:00 PM in the debt collector's time
zone d) Anytime - ANSWER) 9:00 PM in the debtor's time zone
Can a debt collector contact a debtor at work? a) No, the FDCPA covers personal
debts, not work-related debts b) Yes, the debtor can be called at work at any time V
Yes, but only if the debtor has not informed the debt collector that the debtor
cannot receive calls at work and the debtor's employer permits those types of calls
d) Yes, but only if the debtor's employer offered to pay some of the debt -
ANSWERYes, but only if the debtor has not informed the debt collector that the
debtor cannot receive calls at work and the debtor's employer permits those types
of calls
, A debt collector may discuss the following with the debtor's friends, family
members, or employers: a) The amount owed The name of the creditor(s) c)
Contact/location information d) The debtor's finances - ANSWERc) Contact/location
information
If a debtor informs a debt collector he is represented by an attorney the debt
collector may communicate with either the debtor's attorney or the debtor. a) TRUE
FALSE - ANSWERFALSE
What types of debts are covered under the FDCPA? a) Personal Business Any debt a
debt collector is attempting to collect - ANSWERPersonal
Can a debt collector seek interest on a collections account? a Yes, but only if the
debtor is aware of the account b) Yes, but only if the debtor made partial payments
to the creditor c) No, any collection of interest is a violation of the FDCPA d) Yes, but
only if permitted by law or included in the contract signed by the debtor - ANSWERd)
Yes, but only if permitted by law or included in the contract signed by the debtor
Under the FDCPA, a debtor is only obligated to pay what she can afford: -
ANSWERFalse.
A debtor can stop a debt collection agency from contacting them by:a) Only by
paying the debt ) Sending a certified letter telling the debt collector to stop c) Filing a
lawsuit and seek protection under the FDCPA d)Contacting the debt collector and
request it stops - ANSWERd)Contacting the debt collector and request it stops
A debtor's request to stop contacting her is known as "cease and desist" under the
FDCPA. TRUE b) FALSE - ANSWERTRUE
A debtor can only request a debt collector stop contacting him if the debtor proves
he does not owe the debt. TRUE FALSE - ANSWERFALSE
If a debtor requests "cease and desist" on an account, a debt collector may not file
suit on the account. TRUE FALSE - ANSWERFALSE
A legal pleading is considered a communication for purposes of "cease and desist"
for the FDCPA. TRUE FALSE - ANSWERFALSE
TRUE FALSE A debt collector is obligated under the FDCPA to offer a settlement on
every account: - ANSWERFALSE
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 - ANSWER6) 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
