H+L FDCPA Test

FDCPA Certification Test for Silo Recovery

Let's Go!

Question 1/7

How many times can a debt collector contact a third party to request location information regarding the consumer?

never

once

twice

A debt collector can contact a third party to request location information regarding the consumer only once. This is in accordance with the Fair Debt Collection Practices Act (FDCPA), which limits the number of times a debt collector can contact third parties for such information. By restricting it to one contact, the FDCPA aims to prevent excessive harassment or invasion of privacy.

Question 2/7

The FDCPA allows debt collectors to contact a consumer:

Between 8:00 a.m. and 9:00 p.m. in the collector’s time zone.

Between 8:00 a.m. and 9:00 p.m. in the consumer’s time zone.

Between 9:00 a.m. and 8:00 p.m. in the consumer’s time zone.

The FDCPA allows debt collectors to contact a consumer between 8:00 a.m. and 9:00 p.m. in the consumer's time zone. This means that debt collectors are only permitted to contact consumers during reasonable hours and cannot contact them too early in the morning or too late at night. This provision is in place to protect consumers from harassment and ensure that they have a reasonable amount of time to rest and relax without being disturbed by debt collectors.

Question 3/7

A debt collector may call a consumer as many times in a day as it takes to get a hold of the consumer so long as the debt collector does not leave a message.

True

False

A debt collector is not allowed to call a consumer multiple times in a day if they do not leave a message. This is because the Fair Debt Collection Practices Act (FDCPA) places restrictions on the frequency and manner in which debt collectors can contact consumers. They are prohibited from engaging in harassing or abusive behavior, and calling multiple times without leaving a message could be considered harassment.

Question 4/7

When communicating with a consumer, a debt collector:

Must disclose that the communication is from a debt collector.

Must communicate with the consumer during business hours.

Must not disclose his employer unless specifically requested.

When communicating with a consumer, a debt collector must disclose that the communication is from a debt collector. This is a requirement under the Fair Debt Collection Practices Act (FDCPA), which aims to protect consumers from abusive and deceptive practices by debt collectors. By disclosing their identity as a debt collector, consumers are made aware of the purpose of the communication and can exercise their rights accordingly. This transparency helps prevent confusion or misleading tactics that may be employed by unscrupulous debt collectors.

The FDCPA is :

Question 5/7

A random set of letters.

 A federal law governing the ethical collection of past due debts.

The federal government agency enforcing debt collection laws.

A trade association for credit and collection professionals.

The FDCPA stands for the Fair Debt Collection Practices Act, which is a federal law that regulates how debt collectors can legally collect past due debts. It sets guidelines and restrictions on debt collectors to ensure that they engage in fair and ethical practices when attempting to collect debts from consumers. The law aims to protect consumers from abusive, deceptive, and unfair debt collection practices.

Question 6/7

A debt collector who violates the FDCPA can be liable for:

A minimum of $1,000 in statutory damages.

Actual damages of $1,000 per violation.

Statutory damages of up to $1,000 and attorney’s fees.

If a debt collector violates the FDCPA (Fair Debt Collection Practices Act), they can be held liable for statutory damages of up to $1,000 and attorney's fees. This means that the individual who was affected by the violation can receive compensation of up to $1,000 as well as have their attorney's fees covered. This is a significant consequence for debt collectors who do not adhere to the regulations set forth by the FDCPA.

Question 7/7

When communicating with a consumer, a debt collector must identify herself and disclose the purpose of the communication.

True

False

A debt collector is required by law to identify herself and disclose the purpose of the communication when interacting with a consumer. This is to ensure transparency and provide the consumer with the necessary information about the nature of the communication. By identifying themselves and disclosing the purpose, the debt collector establishes trust and allows the consumer to make informed decisions regarding their debts.

wrong

Please try again. If you are still incorrect after your second attempt, please review the FDCPA Policy guide once again and discuss this with your training supervisor

Back

congratulations!

FDCPA is a very serious federal law and is to be treated as such. If you have a question or concern in the future you must speak with your supervisor for guidance.

Start over?