FDCPA Test

Welcome to the FDCPA Test

FDCPA Power Point Link

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FDCPA

FDCPA Test - You must score 85% to pass

What does FDCPA stand for?

  • Fair Debt Collection Practices Act
  • Fair Debt Collection Provisions Act
  • Fair Debt Collection Protocol Act
  • Fair Debt Collection Procedures Act

The purposes of the FDCPA include which of the following?

  • Eliminating abusive practices in the collection of consumer debts.
  • Promoting fair debt collection.
  • Determining credit ratings of consumers.
  • All of the above
Click all that apply

If a company employee receives a letter from a debt consolidation company on behalf of a customer, the employee should send the letter to Corporate to respond.

  • True
  • False

All contacts with the customer (oral or written) must disclose that the purpose of the contact is to attempt to collect a debt, and that any information obtained will be used for that purpose. This is called a mini- ________ warning.

  • Mirage
  • Miranda
  • Cooper
  • Marketing

"Hey, is John there? This is Jane.", is an example of the correct way to meaningfully disclose the purpose and identity of the caller during collections.

  • True
  • False

Unless the customer or a court has already given permission, no communication with a customer may occur before ______ or after ______.

  • 9 am, 9 pm
  • 8 am, 9 pm
  • 10 am, 7 pm
  • 8 am, 8 am

Unless the customer or a court has already given permission, no communication with a customer may occur _______.

  • at the FastBucks location
  • at any place that is inconvenient to the customer.
  • in small claims court
  • in the parking lot.

Postcards may be used for collections to save on collection costs.

  • True
  • False

Text messages are subject to the same general rules as telephone calls and other communications.

  • True
  • False

If a company employee knows a customer has retained an attorney, the employee must direct all contacts to the attorney, unless:

  • The attorney allows direct communication with the customer.
  • The collector at store level is in a hurry.
  • The name or address of the attorney can not be easily determined.
  • The attorney is unresponsive.
Choose all that Apply

When a customer refuses verbally to pay a debt, or verbally requests that further communication cease, all further communication must cease.

  • True
  • False

When a customer refuses, in writing, to pay a debt or requests that further communication cease, all further communication must cease, except to advise the customer that:

  • If true, the company will pursue a specific remedy.
  • The company may pursue certain specified remedies that it ordinarily invokes.
  • The collection effort is being stopped.
  • The company will continue to call anyway.

If FastBucks receives a "cease an desist" letter from the customer, we can not reply that the FDCPA does not apply to lenders attempting to collect their own debt.

  • True
  • False

In the case of a "cease and desist" letter, you must do the following:

  • Notate the 3rd party collections rules, and continue to call.
  • Notate the date the letter was received.
  • Cease all collection calls.
  • Remove the customer from your call queue
Choose all that apply

A copy of the "cease and desist" letter should be sent to corporate for a response letter.

  • True
  • False

Contacting 3rd parties, such as references, for location information is allowed.

  • True
  • False

Company employees may not seek the following from third party references:

  • The customer's work telephone number.
  • The phone numbers of the customer's supervisors.
  • The names of the customer's supervisors.
  • The customer's pay dates.
  • The customer's home phone number.
  • The customer's salary.
Choose all that apply

FastBucks does not state or imply that a customer owes a debt to anyone other than the the customer.

  • True
  • False

You may tell a third party the name of the company if:

  • The reference asks for the name of the company.
  • You know the reference.
  • You feel sure that the name shows on caller ID.
  • The reference is a current customer.

All references should be called each week on Monday as long as they are in past due or bad debt status.

  • True
  • False

A third party reference may not be contacted more than once unless:

  • The information from the first contact was wrong or incomplete, and the third party has since received better location information.
  • The third party specifically request an additional call back.
  • The call is made on a Monday a week later.
  • The reference requested no more calls and hung up.
Select all that apply

No employee may harass, oppress, or abuse any person.

  • Threatening violence or other criminal means to harm any person.
  • Use of obscene, profane, or abusive language.
  • Advertising a debt for sale to coerce payment.
  • Calling the customers phone number once each day.
  • Publishing a list of customers names.
Mark all of the prohibited conduct:

No employee of FastBucks may falsely state or imply any of the following:

  • That the customer committed a crime, or other conduct to disgrace the customer.
  • That he/she is an attorney.
  • That communication is an attempt to collect a debt, and any information obtained will be used for that purpose.
  • That he/ she is affiliated with the US or any state, including the use of any badge, uniform, or similar identification.
  • That a communication is from a consumer reporting agency.
  • That documents are legal process.
  • That documents are not legal process, or do not require action by the customer.
Choose all that apply

Threatening to take any action that is not legal, or that the company does not to intend to take, is considered false or misleading.

  • True
  • False

It is false or misleading to:

  • Call from a phone that generates a false telephone number.
  • Call from a phone that generates a false information on a consumer's caller ID display.
  • Call from a phone that generates a false area code number.
  • Call from a phone that generates a message of unavailable on a consumer's caller ID display.
  • Call from a phone that generates a false name.
Choose all that apply

Employees should not call any customer or customer’s spouse more than _______ times per day on a given contact number (Example: cell or home), or the maximum number allowed for debt collectors in the customer’s home state, whichever number is less.

  • 3
  • 2
  • 1
  • 4

If a message is left for a customer on voicemail or with a person, no other calls can be made on that phone number for that day, as this is considered a contact.

  • True
  • False

Choose all that would be considered false or misleading.

  • Communicating, or threatening to communicate, false credit information, including not identifying disputed debts as such.
  • Using written communications utilizing FastBucks letterhead or FastBucks logos on letterhead.
  • Using any false representation or deceptive means to collect or attempt to collect a debt or to obtain information about a customer.
  • Falsely representing the character, amount, or legal status of the debt, or of any services rendered, or compensation that may be received for collecting the debt.
  • Threatening to take any action that is not legal or that the Company does not intended to take.
Make sure you choose every one that is misleading

Using any name other than the true name of the Company is false and misleading.

  • True
  • False

Choose all that represent unfair practices.

  • Failing to post payments timely or properly or to credit a customer’s account with payments that the customer submitted on time, and then charging late fees to that customer.
  • Collecting or assessing a debt and/or any additional amounts in connection with a debt (including interest, fees, and charges) not expressly authorized by the loan agreement or permitted by law.
  • Collecting or assessing a debt and/or any additional amounts in connection with a debt (including interest, fees, and charges) expressly authorized by the loan agreement or permitted by law.
  • Posting payments timely or properly or to credit a customer’s account with payments that the customer submitted on time.

Taking or threatening to repossess or disable property when—

  • under law, the property cannot be taken, repossessed, or disabled.
  • there is no enforceable right to the property.
  • the Company does not actually intend to do so.
  • under law, the property can be taken, repossessed, or disabled, and was approved by your supervisor.
Choose all that apply

Which of the following is not an unfair practice.

  • Causing communication charges, such as those for collect telephone calls, to be made to any person by concealing the true purpose of the communication.
  • Using a postcard to contact a customer about a debt.
  • Using any language or symbol, other than the address of the Company on any envelope when communicating with a customer.
  • Using a postcard to contact a customer for marketing purposes.