PCS Skip Tracing & Locate Techniques 5

Question 1

A collector discovers that a debtor has relocated to another state. Which action is NOT required before resuming collection activity in the new state?

Accepted Answer

Filing a new lawsuit in the debtor's home state

Answer

Filing a new lawsuit is not automatically required when a debtor moves; the collector must update records, check state licensing, and review state-specific laws, but litigation is a separate decision.

Question 2

What is a 'locate hit' in skip tracing?

Accepted Answer

A confirmed match between a debtor's identifying information and a current, verified address or phone number

Answer

A locate hit means skip tracing efforts have produced a confirmed, actionable match for the debtor's current contact information.

Question 3

When using reverse phone lookup during skip tracing, which data element is used to identify the account holder?

Accepted Answer

The phone number itself is queried to return the subscriber name and address

Answer

Reverse phone lookup takes a known phone number and returns subscriber identity and address information from carrier or aggregated databases.

Question 4

Under the TCPA, before calling a debtor's cell phone using an autodialer or prerecorded message, a collector must generally have:

Accepted Answer

Prior express consent from the debtor to be called on that number

Answer

The TCPA requires prior express consent before using an ATDS or prerecorded message to call a cell phone, and this consent must come from the called party.

Question 5

A skip tracer receives information that a debtor is living at an address registered to a relative. Without confirming the debtor's presence, the collector sends collection letters to that address. What risk does this create?

Accepted Answer

Third-party disclosure risk if the relative opens the letter and learns of the debt, violating FDCPA privacy protections

Answer

Sending collection letters to an unverified address risks exposing the debt to unauthorized third parties, which can violate FDCPA's prohibition on third-party disclosure.

(PCS) Professional Collection Specialist Practice Test

(PCS) Professional Collection Specialist Practice Test

PCS Skip Tracing & Locate Techniques 5