FREE FDCPA Prohibited Practices Questions and Answers

Question 1

Which of the following actions is prohibited under the FDCPA?

Accepted Answer

Contacting a debtor who is represented by an attorney.

Answer

Contacting a debtor after 8:00 PM.

Answer

Contacting a debtor's employer to verify employment.

Answer

Contacting a debtor about a debt on social media.

Question 2

Under the FDCPA, debt collectors are prohibited from using which of the following practices?

Accepted Answer

Using threats of violence or harm.

Answer

Sending written notices about the debt.

Answer

Offering settlement options.

Answer

Reporting unpaid debts to credit bureaus

Question 3

Which of the following is NOT allowed under the FDCPA when attempting to collect a debt?

Accepted Answer

Calling a debtor at their place of employment after being informed the employer disapproves.

Answer

Contacting a debtor's neighbor to find the debtor's address.

Answer

Sending a written validation notice of the debt.

Answer

Informing a debtor of legal actions that can be taken if the debt is not paid.

Question 4

Which communication tactic is prohibited for debt collectors under the FDCPA?

Accepted Answer

Calling a debtor multiple times a day to annoy or harass.

Answer

Sending an initial debt collection letter.

Answer

Offering a repayment plan to the debtor.

Answer

Communicating with the debtor's spouse about the debt.

Question 5

According to the FDCPA, what must a debt collector NOT do when communicating with a third party about a debtor?

Accepted Answer

Disclose the debt to the third party.

Answer

Verify the debtor's contact information.

Answer

Identify their employer when asked.

Answer

Ask for the debtor's current address.