FDCPA Test Questions and Answers 100% correct True or False...The FDCPA allows professional collectors to contact customers between 8 am and 9 pm local time for customers. - answer True (805)!True or False...The FDCPA takes precedence over any state laws governing debt collection. - answer False (816)@ A validation is - answer An explanation of what an agency must do if a debt is disputed. Required by FDCPA. Or a written statement of the customer's right to dispute a debt. (809) True or False...A professional debt collector should not continue communicating with the customer when the collector knows the customer is represented by an attorney. - answer True
(805)#
True or False...A collection agency is allowed to refer to legal action only if the creditor actually intends to proceed with legal action on the account on which the professional debt is attempting collection. - answer True (804)$ Location information is a customer's... - answer Place of residence,home phone number and place of employment. (804) Professional debt collectors should never use obscene or profane language. - answer True (806)% After a collector receives notice from the customer to stop communication the collector may: - answer Inform the customer that further collection efforts will cease, and list all the alternatives available. (805) A professional debt collector may communicate to a customer that a judgement has been obtained and wages may be garnished, if: - answer A judgement has been obtained and the agency's next action will be to execute it through garnishment. (807)
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