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

The FDCPA restricts debt collector calls to between 8 a.m. and 9 p.m. in the consumer's local time zone.

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

Upon written refusal to pay, the FDCPA requires the collector to cease all further communication except to notify the consumer of specific actions.

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

After a cease-communication request, a collector may only contact the consumer to advise that collection efforts are ending or to notify of a specific remedy.

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

Once a collector knows the consumer is represented by an attorney, all communications must go through that attorney.

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

Workplace contact is permitted unless the collector knows or has reason to know that the employer prohibits such communications.

FDCPA - Fair Debt Collection Practices Act Practice Test

FDCPA - Fair Debt Collection Practices Act Practice Test

FDCPA Communication Rules and Restrictions