CIP Skip Tracing & Debtor Location 2

Question 1

Under the FDCPA, which of the following is permitted when contacting a third party to obtain a debtor's location information?

Accepted Answer

Identifying yourself and stating that you are confirming location information only

Answer

Disclosing to the third party that the debtor owes a debt

Answer

Contacting the third party multiple times without restriction

Answer

Using a false name to gather the debtor's contact information

Question 2

Under the FDCPA, how many times may a collector generally contact the same third party for a debtor's location information?

Accepted Answer

Only once, unless the third party requests a callback

Answer

As many times as necessary to locate the debtor

Answer

Up to three times per calendar week

Answer

Twice per account, regardless of outcome

Question 3

What does 'NCOA' stand for in the context of skip tracing?

Accepted Answer

National Change of Address

Answer

National Credit Officers Association

Answer

Non-Compliant Outstanding Accounts

Answer

National Collection Operations Act

Question 4

What is a 'reverse lookup' used for in skip tracing?

Accepted Answer

Identifying a debtor by working backward from a known phone number or address

Answer

Calculating the reverse amortization schedule of an outstanding debt

Answer

Undoing an erroneous credit reporting entry on a consumer's file

Answer

Returning improperly collected funds to a debtor

Question 5

When a debtor has filed for bankruptcy, skip tracing efforts must account for which critical legal protection?

Accepted Answer

The automatic stay provision

Answer

The Right to Financial Privacy Act restrictions

Answer

The statute of limitations defense

Answer

The Fair Credit Reporting Act dispute resolution process

Question 6

Social media skip tracing must primarily comply with which regulatory concern?

Accepted Answer

Privacy regulations and platform terms of service agreements

Answer

Copyright law governing platform-hosted content

Answer

International trade law restrictions on data transfer

Answer

Securities law disclosure requirements

Question 7

Which legislation restricts the permissible purposes for accessing consumer reports, including when used for skip tracing?

Accepted Answer

The Fair Credit Reporting Act (FCRA)

Answer

The Fair Debt Collection Practices Act (FDCPA)

Answer

The Telephone Consumer Protection Act (TCPA)

Answer

The Electronic Communications Privacy Act (ECPA)