Free FDCPA Consumer Rights Questions and Answers

Question 1

Under the FDCPA, when is a debt collector prohibited from contacting a consumer?

Accepted Answer

Before 8 AM and after 9 PM in the consumer’s time zone

Answer

On holidays only

Answer

Only during weekends

Answer

Any time they choose

Question 2

If a consumer sends a written request to a debt collector to cease communication,
what must the debt collector do under the FDCPA?

Accepted Answer

Stop all communication with the consumer except to inform them of specific actions being taken

Answer

Ignore the request and continue contacting the consumer

Answer

Only contact the consumer once more to confirm receipt of the request

Answer

Increase the frequency of contacts

Question 3

Under the FDCPA, what is a consumer's right if they dispute a debt in writing within 30 days of receiving the initial communication?

Accepted Answer

The right to obtain verification of the debt before the debt collector can continue collection efforts

Answer

The right to demand immediate payment

Answer

The right to have the debt immediately forgiven

Answer

The right to ignore the debt

Question 4

What must a debt collector include in the first written notice to a consumer under the FDCPA?

Accepted Answer

Information about the amount of debt, the name of the creditor, and the consumer’s right to dispute the debt

Answer

A threat of legal action

Answer

An offer of a discount for immediate payment

Answer

A request for personal financial information

Question 5

What actions are debt collectors prohibited from taking under the FDCPA?

Accepted Answer

All of the above

Answer

Contacting the consumer's employer without permission

Answer

Using abusive or threatening language

Answer

Misrepresenting the amount or status of the debt