FDCPA TEST WITH
QUESTIONS AND
WELL DETAILED
ANSWERS[ACTUAL
EXAM 100%]
In what year did the Fair Debt Collection Practices Act
("FDCPA") become
... [Show More] law?
a)1977
b)1990
c)2006 - CORRECT ANSWER-a)1977
The FDCPA applies to:
a) Debt collectors
b) Creditors
c) Both
d) Neither - CORRECT ANSWER-a) debt collectors
The FDCPA is a strict construction statute, which means
there is no room for speculation or interpretation as to its
terms. TRUE FALSE - CORRECT ANSWER-TRUE
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 - CORRECT ANSWER-a) 6) 8:00
AM in the debto If a debtor uses threatening, harassing, or
abusive language with a debt collector, the debt collector
is obligated to stay on the phone until the debtor is
finished. a TRUE b) FALSE - CORRECT ANSWER-b)
FALSEr'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 - CORRECT 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 - CORRECT ANSWER-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
Debt collectors are prohibited from contacting debtors by
which of the following means?
a) Email
b) Fax
c) Postcard
d) Social Media Messaging - CORRECT ANSWER-c)
Postcard
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 -
CORRECT ANSWER-FALSE
What types of debts are covered under the FDCPA? a)
Personal Business Any debt a debt collector is attempting [Show Less]