FDCPA Test – Questions And Correct Answers True or False...The FDCPA allows professional collectors to contact customers between 8 am and 9 pm local time for customers. Correct Ans - True (805)!True or False...The FDCPA takes precedence over any state laws governing debt collection.Correct Ans - False (816)@ A validation is Correct Ans - 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. Correct Ans - 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. Correct Ans - True
(804)$
Location information is a customer's... Correct Ans - Place of residence,home phone number and place of employment. (804) Professional debt collectors should never use obscene or profane language.Correct Ans - True (806)% After a collector receives notice from the customer to stop communication the collector may: Correct Ans - 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: Correct
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