PCS Skip Tracing & Locate Techniques 2

Question 1

Under the FCRA, which of the following is a permissible purpose for accessing a consumer's credit report during skip tracing?

Accepted Answer

Collecting a legitimate debt owed by the consumer

Answer

The FCRA permits creditors and debt collectors to access credit reports for purposes of collecting a legitimate debt.

Question 2

When a skip tracer calls a debtor's former employer to verify employment history, which law primarily governs this contact?

Accepted Answer

Fair Debt Collection Practices Act (FDCPA)

Answer

The FDCPA regulates third-party contacts during debt collection, including calls to former employers to locate a debtor.

Question 3

A skip tracer discovers a debtor's new address through a utility company inquiry. The debtor has a 'cease communication' letter on file. What is the correct action?

Accepted Answer

Update the address in the file but do not contact the debtor at the new address

Answer

A cease communication request applies to contact with the debtor, but collectors may still update internal records and continue internal collection activity.

Question 4

Which public record source is MOST commonly used to locate a debtor who may have recently purchased real estate?

Accepted Answer

County recorder or assessor property records

Answer

County recorder or assessor records document real property ownership and are publicly accessible for skip tracing purposes.

Question 5

What is 'address verification' in the context of skip tracing?

Accepted Answer

Confirming that a located address is current and that the debtor resides there

Answer

Address verification means confirming through multiple sources that the debtor currently resides at the identified location before initiating collection contact.

(PCS) Professional Collection Specialist Practice Test

(PCS) Professional Collection Specialist Practice Test

PCS Skip Tracing & Locate Techniques 2