STUDENTS SUCCESS
Revision Examination Tests
“Come all for this Greatness”
... 100% Correct answers...
FDCPA EXAM TEST QUESTIONS 2024-2025 -
QUESTIONS AND CORRECT DETAILED ANSWERS
Quiz 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
Quiz 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
Quiz 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)?
Quiz 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
Quiz 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
, Quiz 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
Quiz 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
Quiz 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
Quiz 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 tracin g. We don't call neighbors or
employers for skip tracing
Quiz A violation under the FDCPA is determined by applying the "Most Sophisticated
Consumer" standard. (T/F)?
Ans: FALSE- not a violation, so false
Quiz 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
Quiz 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
Quiz 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
Revision Examination Tests
“Come all for this Greatness”
... 100% Correct answers...
FDCPA EXAM TEST QUESTIONS 2024-2025 -
QUESTIONS AND CORRECT DETAILED ANSWERS
Quiz 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
Quiz 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
Quiz 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)?
Quiz 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
Quiz 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
, Quiz 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
Quiz 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
Quiz 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
Quiz 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 tracin g. We don't call neighbors or
employers for skip tracing
Quiz A violation under the FDCPA is determined by applying the "Most Sophisticated
Consumer" standard. (T/F)?
Ans: FALSE- not a violation, so false
Quiz 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
Quiz 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
Quiz 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
