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

The FDCPA permits collectors to identify themselves and state they are seeking location information, but prohibits revealing that the individual owes a debt to third parties.

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

FDCPA Section 804 generally limits collectors to contacting a given third party only once for location information, unless that party requests a return call.

Question 3

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

Accepted Answer

National Change of Address

Answer

NCOA (National Change of Address) is a USPS database tracking address updates, widely used in skip tracing to obtain current addresses for debtors who have relocated.

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

A reverse lookup allows a collector to begin with a known phone number or address and identify the individual associated with it, aiding in debtor location.

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

A bankruptcy filing triggers an automatic stay that immediately halts most collection activities, including active skip tracing efforts intended to pursue the debtor for collection.

CIP - Collection Industry Professional Certification Practice Test

CIP - Collection Industry Professional Certification Practice Test

CIP Skip Tracing & Debtor Location 2