FDCPA Quiz

Couldn't confirm presence of Flash 7 or higher because JavaScript was disabled.Get FlashI really do have Flash installed.ul{margin-top:0px;margin-bottom:0px;list-style-type:none;padding-left:20px;}1. Which of the following is the primary federal law that regulates debt collecting?

[ ] a. FCRA

[ ] b. FDCPA

[ ] c. FDPCA

[ ] d. FICO

[ ] e. FCBA

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

3. According the the FDCPA, a debt collector may not use abusive or obscene language language.

[ ] a. True

[ ] b. False

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 a 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 8:00 AM and 9:00 PM

[ ] d. If he telephones the employer first and gets permission.

[ ] e. Never

5. Which of the following messages left on a consumer's answering machine does not violate the FDCPA.

[ ] a. "David, this is Nancy. Give me a call back at 1-800-555-4234"

[ ] b. "Patricia Vanguard, this is Irving Delgato. I have to speak with you about something, and this is not a sales call. Give me a call back at 1-800-555-4234"

[ ] c. "This is Joe Wellman. I am a debt collector with Acme Debt Collectors. I am calling about the debt you owe at Elandro's Department Store. Please call me at 1-800-555-3264"

[ ] d. "Ms. Spandle, this is Dave. Please have your son give me a call at 1-888-555-2928"

[ ] e. "If the person hearing this message is Maxine, please call 1-877-555-2356. Otherwise, please disregard the call."

6. A debt collector may normally discuss a consumer debt only with the consumer and 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 the consumer has listed as a "contact" on the contract that created the debt.

[ ] e. None of the above.

7. 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 purpose.

[ ] 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.

8. 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.

9. 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 job loss.

[ ] d. Abusive debt collection leads to invasions of privacy.

[ ] e. None of the Above

[ ] f. All of the above

10. State laws, such as California's RFDCPA, usually interact with the FDCPA as follows:

[ ] a. You can only be awarded money under the federal law or the state law, not both.

[ ] b. You can be awarded money on the federal law, or the state law, whichever is larger.

[ ] c. You can be awarded money on the federal law, or the state law, whichever is less.

[ ] d. You can be awarded money on the federal law and the state law, cumulatively.

[ ] e. If a state law exists, you are only awarded under that, otherwise you can be award money under the federal law.

11. Under the FDCPA, you can only be awarded up to $1,000 in damages.

[ ] a. True

[ ] b. False

12. 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 costs.

[ ] 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