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You have reached 0 of 0 points, (0) Congratulations you have completed the quiz! After reviewing your results; CLICK HERE TO RETURN TO THE iComply Page! It is OK to call a consumer before 8:00 am in the consumer’s time zone if they left a message for you before 8:00 am. The correct answer is (F). Even when the consumer leaves you a message outside of the FDCPA calling time rules, you must still wait to contact the consumer between the appropriate hours of 8:00am – 9:00pm in the consumer’s time zone. The correct answer is (F). Even when the consumer leaves you a message outside of the FDCPA calling time rules, you must still wait to contact the consumer between the appropriate hours of 8:00am – 9:00pm in the consumer’s time zone. Sending a “blind” settlement agreement letter could be a violation of the FDCPA. The correct answer is (T). Unsolicited offers made to a consumer can be misleading, depending on the verbiage of the letter. These can be subject to discipline under the guidelines related to (UDAAP), or the Unfair, Deceptive, or Abusive Acts or Practices that are monitored by the CFPB. The correct answer is (T). Unsolicited offers made to a consumer can be misleading, depending on the verbiage of the letter. These can be subject to discipline under the guidelines related to (UDAAP), or the Unfair, Deceptive, or Abusive Acts or Practices that are monitored by the CFPB. If an account has a pending bank levy that the consumer is not aware of, and the consumer calls you to inform you that they filed Bankruptcy two days ago, you should: The correct answer is (c). If the debt collector is aware of a filed Bankruptcy proceeding and has outstanding and pending post judgment collection efforts, the collector must cease all collection attempts, including those pending in the legal system. Not terminating the bank levy could be a violation of the Bankruptcy Code’s automatic stay. The correct answer is (c). If the debt collector is aware of a filed Bankruptcy proceeding and has outstanding and pending post judgment collection efforts, the collector must cease all collection attempts, including those pending in the legal system. Not terminating the bank levy could be a violation of the Bankruptcy Code’s automatic stay. If a consumer requests verification on an account that has been with a company for more than 30 days and a judgment has been obtained, this should be consider a valid dispute. The correct answer is (F). If the court has ruled in favor of the creditor and awarded a judgment, a request for verification would not be considered a valid dispute. In the event that the judgment was granted improperly, the consumer would have to request a review from the courts. The correct answer is (F). If the court has ruled in favor of the creditor and awarded a judgment, a request for verification would not be considered a valid dispute. In the event that the judgment was granted improperly, the consumer would have to request a review from the courts. If a consumer is deceased, it is OK to discuss the debt with his/her adult children, even if they are not the executor of the estate. The correct answer is (F). Discussing the debt of a deceased debtor with anyone other than the executor of the estate, without prior permission, would be considered Third Party Disclosure. The correct answer is (F). Discussing the debt of a deceased debtor with anyone other than the executor of the estate, without prior permission, would be considered Third Party Disclosure. Under the FDCPA a debt collector should advise a debtor in whether filing bankruptcy would benefit them or not. The correct answer is (F). This would be considered legal advice, and the collector should never suggest an alternative to a debt that would normally come from an attorney, if at all. The correct answer is (F). This would be considered legal advice, and the collector should never suggest an alternative to a debt that would normally come from an attorney, if at all. You must state the call monitoring/recording disclosure on all calls, if the call is being recorded, to avoid eavesdropping statutes. The correct answer is (T). In certain states, eavesdropping statutes require that any calls that are recorded, the caller must disclose that the call is being recorded, and may ask for consent to continue to record the call. The correct answer is (T). In certain states, eavesdropping statutes require that any calls that are recorded, the caller must disclose that the call is being recorded, and may ask for consent to continue to record the call. It is valid service to substitute serve a defendant when they are incarcerated. The correct answer is (F). It is invalid service to use substitute service when the defendant is incarcerated. The correct answer is (F). It is invalid service to use substitute service when the defendant is incarcerated. According to the FDCPA, a consumer may not use abusive or obscene language. The correct answer is (F). The FDCPA does not regulate consumers, only third party debt collectors. The correct answer is (F). The FDCPA does not regulate consumers, only third party debt collectors. A collector may always inform a consumer that a nonpayment of their debt will result in the garnishment of their wages. The correct answer is (F). A collector is never in the position to discuss the definite outcome of an unpaid debt with a consumer unless the action has already been taken. Informing a debtor that a garnishment has been processed would be appropriate, but not to threaten them with garnishment. The correct answer is (F). A collector is never in the position to discuss the definite outcome of an unpaid debt with a consumer unless the action has already been taken. Informing a debtor that a garnishment has been processed would be appropriate, but not to threaten them with garnishment.Quiz-summary
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