NerdTests.com Test: SHAWN SMITH 1 FDCPA TEST 02-08-11

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.

TRUE
FALSE

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

TRUE
FALSE

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.

IF THE CONSUMER FAILS TO FOLLOW UP SUCH REQUEST WITH A LETTER
IF THE DEBT COLLECTOR HAS NO OTHER CONTACT INFORMATION EVEN AFTER MAKING A REASONABLE EFFORT TO OBTAIN ANOTHER PHONE NUMBER
IF THE CONSUMER WORKS BETWEEN 8:00AM AND 9:00PM
IF THE DEBT COLLECTOR TELEPHONES THE EMPLOYER FIRST AND GETS PERMISSION
NEVER

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

AN ATTORNEY
THE CONSUMER'S PARENTS, IF THE PARENTS LIVE WITH THE CONSUMER
THE CONSUMER'S CHILDREN IF THEY ARE OVER 18 YEARS OF AGE
A PERSON THAT THE CONSUMER HAS LISTED AS A "CONTACT" ON THE CONTRACT THAT CREATED THE DEBT
NONE OF THE ABOVE

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

THIS IS AN ATTEMPT TO COLLECT A DEBT, AND ANY INFORMATION WILL BE USED FOR THAT PURPUSE
I AM A DEBT COLLECTOR, AND YOU HAVE THE RIGHT TO NOT SPEAK WITH ME IF YOU CHOOSE
I WANT TO ADVISE YOU THIS CALL MAY BE RECORDED OR MONITORED
THIS IS AN ATTEMPT TO COLLECT A DEBT,
NONE OF THE ABOVE

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

ALWAYS TRUE
ALWAYS FALSE
TRUE, AS LONG AS THE DEBT COLLECTOR NEVER DISCLOSES THE NAME OF HIS COMPANY.
TRUE, AS LONG AS THE DEBT COLLECTOR NEVER DISCLOSES THAT THE CONSUMER OWES A DEBT.
TRUE, AS LONG AS THE DEBT COLLECTOR IS UNABLE TO CONTACT THE CONSUMER ANY OTHER WAY

With regard to debt collection, Congress has found what?

ABUSIVE DEBT COLLECTION LEADS TO MARITAL INSTABILITY
ABUSIVE DEBT COLLECTION LEADS TO BANKRUPTCY
ABUSIVE DEBT COLLECTION LEADS TO INVASSION OF PRIVACY
NONE OF THE ABOVE
ALL OF THE ABOVE

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

TRUE
FALSE

10)

In good faith, you bring a lawsuit against an abusive debt collector.

IF YOU LOSE YOU WILL HAVE TO PAY THE DEBT COLLECTOR'S ATTORNEY FEES AND/OR COST
EVEN IF YOU WIN YOU WILL STILL HAVE TO PAY YOUR ATTORNEY FEES, SO THERE IS LITTLE POINT TO DO SO
IF YOU WIN, YOU ARE NO LONGER RESPONSIBLE FOR ANY VALID DEBT.
ALL OF THE ABOVE
NONE OF THE ABOVE

[ report this test ]

[ edit test ]