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Communication and Documentation Flashcards

7 cards from real CAC practice questions. Tap to flip, then mark Knew It or Still Learning — missed cards come back until you master them.

Read the first 7 Communication and Documentation flashcards as text

  1. How many days does a consumer generally have to dispute a debt after receiving the FDCPA validation notice?

    Answer: 30 days

    The validation notice gives the consumer 30 days to dispute the debt.

  2. A customer says they have an attorney for the debt and gives the attorney's contact information. What should the collector do?

    Answer: Communicate with the attorney instead of the customer

    Under the FDCPA, a collector must deal with a consumer's known attorney unless the attorney fails to respond within a reasonable time or agrees to direct contact.

  3. After a consumer sends a written request to stop all communication, what can a collector still send?

    Answer: Notice that collection efforts are ending or that a specific remedy may be invoked

    FDCPA 805(c) allows only limited notices, such as ending collection efforts or invoking a specific remedy.

  4. Which of these should NEVER appear in account documentation?

    Answer: Personal opinions such as 'customer is a liar'

    Notes may be reviewed by regulators or courts, so they should be objective and leave out personal judgments.

  5. Under the E-SIGN Act, what is required before a creditor can provide required disclosures electronically instead of on paper?

    Answer: The consumer's affirmative consent after receiving required pre-consent disclosures

    E-SIGN requires the consumer's affirmative consent, given in a way that shows they can access the electronic format.

  6. Under UCC Article 9, what must a secured party generally do before disposing of a repossessed vehicle?

    Answer: Send a reasonable authenticated notification of disposition to the debtor

    UCC 9-611 requires reasonable authenticated notice of disposition to the debtor and certain other parties.

  7. Under Regulation F, which voicemail content is a 'limited-content message' that is not treated as a communication?

    Answer: The consumer's name, a request to reply, the caller's name, and a callback number

    Regulation F defines a limited-content message as one that leaves out debt details and contains only certain items.