STUDENTS SUCCESS
Revision Examination Tests
“Come all for this Greatness”
... 100% Correct Ans ...
INF1505 PACK EXAMINATION 2024/2025, COMPREHENSIVE
SUMMARY AND ANSWERS, PREVIOUS TEST REVISION (MAY/JUNE
2024)
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)?
ans:> TRUE- 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)?
ans:> FALSE
FALSE- If they are requesting validation we can't use against them in court
ans:> If 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)?
ans:> TRUE
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)?
ans:> TRUE- 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)?
ans:> FALSE- 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)?
ans:> FALSE
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)?
ans:> FALSE- 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)?
ans:> TRUE- 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)?
ans:> FALSE- 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)?
ans:> TRUE- 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)?
ans:> TRUE
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)?
ans:> TRUE
Placing calls, and making contact with the consumer without revealing the collector's identity
is a violation of FDCPA. (T/F)?
ans:> TRUE
It is okay to refer to the consumer as a defendant before a lawsuit is filed. (T/F)?
ans:> FALSE- 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)?
ans:> FALSE- 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)?
ans:> TRUE- for new placement, 45 day validation (to dispute debt)
Under P&F policy, a verbal C&D will be honored. (T/F)?
ans:> TRUE-
A request for verification of a debt must be in writing. (T/F)?
ans:> FALSE- 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)?
Revision Examination Tests
“Come all for this Greatness”
... 100% Correct Ans ...
INF1505 PACK EXAMINATION 2024/2025, COMPREHENSIVE
SUMMARY AND ANSWERS, PREVIOUS TEST REVISION (MAY/JUNE
2024)
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)?
ans:> TRUE- 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)?
ans:> FALSE
FALSE- If they are requesting validation we can't use against them in court
ans:> If 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)?
ans:> TRUE
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)?
ans:> TRUE- 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)?
ans:> FALSE- 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)?
ans:> FALSE
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)?
ans:> FALSE- 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)?
ans:> TRUE- 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)?
ans:> FALSE- 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)?
ans:> TRUE- 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)?
ans:> TRUE
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)?
ans:> TRUE
Placing calls, and making contact with the consumer without revealing the collector's identity
is a violation of FDCPA. (T/F)?
ans:> TRUE
It is okay to refer to the consumer as a defendant before a lawsuit is filed. (T/F)?
ans:> FALSE- 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)?
ans:> FALSE- 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)?
ans:> TRUE- for new placement, 45 day validation (to dispute debt)
Under P&F policy, a verbal C&D will be honored. (T/F)?
ans:> TRUE-
A request for verification of a debt must be in writing. (T/F)?
ans:> FALSE- 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)?
