FDCPA Test Quiz

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Q.1)
Wich of the following is the primary law that regulates debt collecting?

A. Fcra
b. Fdcpa
c. Fdpca
d. Fico
e. Fcba

Q.2)
If a consumer notifies a debt collector in writing that the consumer refuses to pay a consumer debt or requests the debt collector cease communicating with the consumer, the debt collector must stop contacting the consumer.

a. True
b. False

Q.3)
Acording to the FDCPA, a debt collector may not use abusive or obscene language.

a. True
b. False

Q.4)
A debt collector may telephone a consumer about a consumer debt at the consumers place of employment after the consumer tells the debt collector he cannot receive such telephone calls.

a. If the consumer fails to follow up such request with a letter
b. If the debt collector has no other contact information even after making a reasonable effort to obtain another phone number
c. If the consumer works between 8:00am and 9:00pm
d. If the debt collector telephones the employer first and gets permission
e. Never

Q.5)
A debt collector may normally discuss a consumer debt only with the consumer and the following people.

a. An attorney
b. The consumer's parents, if the parents live with the consumer
c. The consumer's children if they are over 18 years of age
d. A person that the consumer has listed as a "contact" on the contract that created the debt
e. None of the above

Q.6)
The following is commonly called the "mini-miranda" pursuant to 15 U.S.C. 1692e(11).

a. This is an attempt to collect a debt, and any information will be used for that purpuse
b. I am a debt collector, and you have the right to not speak with me if you choose
c. I want to advise you this call may be recorded or monitored
d. This is an attempt to collect a debt,
e. None of the above

Q.7)
If a debt collector calls a third party, that may not be a violation of the FDCPA, (Choose the best answer.)

a. Always true
b. Always false
c. True, as long as the debt collector never discloses the name of his company.
d. True, as long as the debt collector never discloses that the consumer owes a debt.
e. True, as long as the debt collector is unable to contact the consumer any other way
Q.8)
With regard to debt collection, Congress has found what?

a. Abusive debt collection leads to marital instability
b. Abusive debt collection leads to bankruptcy
c. Abusive debt collection leads to invassion of privacy
d. None of the above
e. All of the above

Q.9)
Under the FDCPA, you can only be awarded up to $1000.00 in damages

a. true
b. false
Q.10) In good faith, you bring a lawsuit against an abusive debt collector.

a. If you lose you will have to pay the debt collector's attorney fees and/or cost
b. Even if you win you will still have to pay your attorney fees, so there is little point to do so
C. If you win, you are no longer responsible for any valid debt.
d. All of the above
e. None of the above