PCS Telephone Collection Communication 2

Question 1

Under the FDCPA, when a consumer requests in writing that a debt collector cease further communication, what must the debt collector do?

Accepted Answer

Stop all communication except to notify the consumer of specific intended actions

Answer

Upon receiving a written cease communication request, the collector must stop contacting the consumer but may send one final notice about specific actions such as filing suit or terminating collection efforts.

Question 2

Which statement best describes the concept of 'mini-Miranda' disclosure in telephone collections?

Accepted Answer

A statement informing the consumer that the caller is a debt collector and that information will be used for collection

Answer

The mini-Miranda requires debt collectors to disclose on each communication that they are a debt collector and that any information obtained will be used for that purpose.

Question 3

A consumer tells you on the phone, 'I never agreed to this debt.' What is the most appropriate collector response?

Accepted Answer

Inform the consumer they have 30 days to dispute in writing and then verify the debt

Answer

The FDCPA gives consumers 30 days to dispute a debt in writing, after which the collector must cease collection and provide verification before resuming.

Question 4

Which technique is considered most effective when a consumer says they 'can't afford' to pay during a collection call?

Accepted Answer

Ask open-ended questions to understand the consumer's financial situation and explore options

Answer

Using open-ended questions helps the collector understand the consumer's actual financial position and identify payment arrangements that are realistic.

Question 5

Under the FDCPA, a debt collector may NOT call a consumer's workplace if:

Accepted Answer

The collector has reason to know the employer prohibits such calls

Answer

The FDCPA prohibits calling a consumer at their place of employment when the collector knows or has reason to know that the employer does not permit such calls.

(PCS) Professional Collection Specialist Practice Test

(PCS) Professional Collection Specialist Practice Test

PCS Telephone Collection Communication 2