FDCPA Tests| Rated A Questions and Verified
Answers 100% Correct| Grade A (2024/ 2025
Updates STUDY BUNDLE WITH COMPLETE
SOLUTIONS)
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)? -
ANSWERTRUE- 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)? - ANSWERFALSE
FALSE- If they are requesting validation we can't use against them in court -
ANSWERIf 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)? - ANSWERTRUE
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)? -
ANSWERTRUE- 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)? - ANSWERFALSE- 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)? -
ANSWERFALSE
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)? - ANSWERFALSE- 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)? - ANSWERTRUE- We don't contact 3rd parties for skip tracing. We
don't call neighbors or employers for skip tracing
, A violation under the FDCPA is determined by applying the "Most Sophisticated
Consumer" standard. (T/F)? - ANSWERFALSE- not a violation, so false
When skip tracing, a debt collector should only give his name, unless he/she is
specifically asked where they are calling from. (T/F)? - ANSWERTRUE- don't just offer
a company name to a third party
When speaking with a consumer, the collector must always identify himself, and that
they are actually a debt collector, or representative of a debt collection company,
before continuing the conversation. (T/F)? - ANSWERTRUE
If a debt collector learns from the consumer that they are represented by an
attorney in connection with this debt, the debt collector can only communicate with
the attorney, unless the attorney gives permission to speak with the consumer.
(T/F)? - ANSWERTRUE
Placing calls, and making contact with the consumer without revealing the collector's
identity is a violation of FDCPA. (T/F)? - ANSWERTRUE
It is okay to refer to the consumer as a defendant before a lawsuit is filed. (T/F)? -
ANSWERFALSE- We don't call CNS a defendant while on the phone. Just call them by
their name.
Contacting a consumer's creditor (not the one holding the account P&F is collecting
on) to obtain banking information on the consumer is not a violation of FDCPA.
(T/F)? - ANSWERFALSE- When skip tracing we don't want to actually contact their
banking institution
It is a violation of FDCPA to try to collect a debt after the consumer has timely
disputed the account either orally, or in writing and before P&F has verified the debt.
(T/F)? - ANSWERTRUE- for new placement, 45 day validation (to dispute debt)
Under P&F policy, a verbal C&D will be honored. (T/F)? - ANSWERTRUE-
A request for verification of a debt must be in writing. (T/F)? - ANSWERFALSE- can be
accepted over the phone
You have just settled an account with a consumer and see that the following day
there is a court hearing. As a courtesy you can tell the consumer that they do not
have to go to that hearing. (T/F)? - ANSWERFALSE- let the CNS know you can't tell
them or give them legal advice on what to do about summons or hearing. We won't
continue with litigation process if they make payments
What is the regulatory agency in which oversees the FDCPA? - ANSWERFederal Trade
Commission (FTC)
Answers 100% Correct| Grade A (2024/ 2025
Updates STUDY BUNDLE WITH COMPLETE
SOLUTIONS)
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)? -
ANSWERTRUE- 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)? - ANSWERFALSE
FALSE- If they are requesting validation we can't use against them in court -
ANSWERIf 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)? - ANSWERTRUE
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)? -
ANSWERTRUE- 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)? - ANSWERFALSE- 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)? -
ANSWERFALSE
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)? - ANSWERFALSE- 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)? - ANSWERTRUE- We don't contact 3rd parties for skip tracing. We
don't call neighbors or employers for skip tracing
, A violation under the FDCPA is determined by applying the "Most Sophisticated
Consumer" standard. (T/F)? - ANSWERFALSE- not a violation, so false
When skip tracing, a debt collector should only give his name, unless he/she is
specifically asked where they are calling from. (T/F)? - ANSWERTRUE- don't just offer
a company name to a third party
When speaking with a consumer, the collector must always identify himself, and that
they are actually a debt collector, or representative of a debt collection company,
before continuing the conversation. (T/F)? - ANSWERTRUE
If a debt collector learns from the consumer that they are represented by an
attorney in connection with this debt, the debt collector can only communicate with
the attorney, unless the attorney gives permission to speak with the consumer.
(T/F)? - ANSWERTRUE
Placing calls, and making contact with the consumer without revealing the collector's
identity is a violation of FDCPA. (T/F)? - ANSWERTRUE
It is okay to refer to the consumer as a defendant before a lawsuit is filed. (T/F)? -
ANSWERFALSE- We don't call CNS a defendant while on the phone. Just call them by
their name.
Contacting a consumer's creditor (not the one holding the account P&F is collecting
on) to obtain banking information on the consumer is not a violation of FDCPA.
(T/F)? - ANSWERFALSE- When skip tracing we don't want to actually contact their
banking institution
It is a violation of FDCPA to try to collect a debt after the consumer has timely
disputed the account either orally, or in writing and before P&F has verified the debt.
(T/F)? - ANSWERTRUE- for new placement, 45 day validation (to dispute debt)
Under P&F policy, a verbal C&D will be honored. (T/F)? - ANSWERTRUE-
A request for verification of a debt must be in writing. (T/F)? - ANSWERFALSE- can be
accepted over the phone
You have just settled an account with a consumer and see that the following day
there is a court hearing. As a courtesy you can tell the consumer that they do not
have to go to that hearing. (T/F)? - ANSWERFALSE- let the CNS know you can't tell
them or give them legal advice on what to do about summons or hearing. We won't
continue with litigation process if they make payments
What is the regulatory agency in which oversees the FDCPA? - ANSWERFederal Trade
Commission (FTC)
