Free FDCPA Validation of Debts Questions and Answers

Question 1

Under the FDCPA, within how many days must a debt collector provide a written validation notice after their initial communication with a consumer?

Accepted Answer

5 days

Answer

10 days

Answer

15 days

Answer

30 days

Question 2

What information must be included in the written validation notice provided by a debt collector under the FDCPA?

Accepted Answer

The amount of the debt, the name of the creditor, and a statement that the consumer has 30 days to dispute the debt

Answer

The name of the original creditor only

Answer

The amount of the debt only

Answer

The contact information of the debt collector only

Question 3

If a consumer disputes a debt in writing within the 30-day period, what must the debt collector do before continuing collection efforts?

Accepted Answer

Provide the consumer with a copy of the verification or a copy of the judgment

Answer

Verify the debt with the original creditor

Answer

Cease all communication with the consumer

Answer

Contact the consumer’s employer for verification

Question 4

What action is prohibited under the FDCPA if a debt collector does not receive a written dispute from the consumer within the 30-day period?

Accepted Answer

Continuing to contact the consumer about the debt

Answer

Reporting the debt to credit bureaus

Answer

Assuming the debt is valid

Answer

Filing a lawsuit to collect the debt

Question 5

In the validation notice, what must the debt collector inform the consumer about their right to dispute the debt?

Accepted Answer

The consumer has 30 days to dispute the debt in writing.

Answer

The consumer has 10 days to dispute the debt.

Answer

The consumer can dispute the debt verbally.

Answer

The consumer cannot dispute the debt.