FDCPA Communication Rules and Restrictions

Question 1

Under the FDCPA, during what hours may a debt collector contact a consumer by telephone without prior consent?

Accepted Answer

8 a.m. to 9 p.m. local time

Answer

7 a.m. to 10 p.m. local time

Answer

9 a.m. to 8 p.m. local time

Answer

6 a.m. to 9 p.m. local time

Question 2

If a consumer notifies a debt collector in writing that they refuse to pay a debt, what must the collector do?

Accepted Answer

Cease all further communication

Answer

Continue calling but stop sending letters

Answer

Refer the matter to an attorney

Answer

Report the refusal to the credit bureau

Question 3

Which of the following is a permissible reason for a debt collector to contact a consumer after receiving a cease-communication request?

Accepted Answer

To advise that further collection efforts are being terminated

Answer

To negotiate a settlement offer

Answer

To request updated contact information

Answer

To inform the consumer of a new balance

Question 4

What happens if a consumer's attorney is known to the debt collector?

Accepted Answer

The collector must communicate with the attorney, not the consumer

Answer

The collector may contact both the consumer and attorney

Answer

The collector must send a written notice to the attorney only

Answer

The collector must stop all collection activity

Question 5

Can a debt collector contact a consumer at their place of employment?

Accepted Answer

Only if the collector has no reason to know that employer prohibits such calls

Answer

Yes, at any time during business hours

Answer

No, workplace contact is always prohibited

Answer

Only with the consumer's written permission

Question 6

Under FDCPA, a 'communication' is defined as conveying information regarding a debt directly or indirectly to whom?

Accepted Answer

Any person through any medium

Answer

Only the consumer via telephone

Answer

Only the consumer via written mail

Answer

The consumer's employer or attorney