FREE FDCPA Basic Questions and Answers

Question 1

A debt collector is allowed to use tactics that harass, oppress, or abuse a consumer or person in order to collect a debt.

Accepted Answer

FALSE

Answer

TRUE

Question 2

Informing an unauthorized third party that a consumer owes a debt.

Accepted Answer

TRUE

Answer

FALSE

Question 3

it is false and/or misleading to imply to a consumer that:

Accepted Answer

They may be arrested or imprisoned for nonpayment of a debt.

Answer

You, the debt collector, are contacting the consumer in an attempt to assist with the arrangement of a payment plan.

Answer

The debt collection firm is working with or for the creditor.

Answer

None of the above.

Question 4

What is the definition of a "consumer"?

Accepted Answer

A person obligated or allegedly obligated to pay any debt.

Answer

A person attempting to service legal process on another person.

Answer

Any person acting as a debt collector.

Answer

An employee of a consumer reporting agency.

Question 5

What is the definition of a "creditor"?

Accepted Answer

Any person who offers or extends credit creating a debt or to whom a debt is owed.

Answer

A person obligated or allegedly obligated to pay any debt.

Answer

Any person acting as a debt collector.

Answer

A person attempting to service legal process on another person.