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

The FDCPA strictly prohibits debt collectors from communicating directly with a consumer if they know the consumer is represented by an attorney regarding the debt. In such cases, the debt collector must communicate with the consumer's attorney, unless the attorney fails to respond or consents to direct communication with the consumer.

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

The FDCPA explicitly prohibits debt collectors from engaging in any conduct that is intended to harass, oppress, or abuse any person. This includes using or threatening to use violence or other criminal means to harm the physical person, reputation, or property of any individual, making such threats a clear violation of the Act.

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

The FDCPA prohibits debt collectors from contacting a consumer at their place of employment if the collector knows or has reason to know that the consumer's employer prohibits such communications. Continuing to call a debtor at work after being informed of the employer's disapproval is a direct violation of this provision.

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

The FDCPA specifically prohibits debt collectors from engaging in any conduct that harasses, oppresses, or abuses any person. This includes making repeated or continuous telephone calls with the intent to annoy, abuse, or harass the person at the called number, as such actions are considered abusive and illegal.

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

The FDCPA strictly limits what a debt collector can say to third parties. They are generally prohibited from disclosing the existence or details of a debt to anyone other than the consumer, their attorney, or the creditor. This rule protects the consumer's privacy and prevents harassment through third parties.

FDCPA - Fair Debt Collection Practices Act Practice Test

FDCPA - Fair Debt Collection Practices Act Practice Test

Free FDCPA Prohibited Practices Questions and Answers