FDCPA Certification Exam

Question 1

Under the FDCPA, during what hours may a debt collector contact a consumer by telephone without prior consent?

8 a.m. to 9 p.m. local time 7 a.m. to 10 p.m. local time 9 a.m. to 8 p.m. local time 6 a.m. to 9 p.m. local time

Correct Answer:

8 a.m. to 9 p.m. local time

Question 2

If a consumer notifies a debt collector in writing that they refuse to pay a debt, what must the collector do?

Cease all further communication Continue calling but stop sending letters Refer the matter to an attorney Report the refusal to the credit bureau

Correct Answer:

Cease all further communication

Question 3

Which of the following is a permissible reason for a debt collector to contact a consumer after receiving a cease-communication request?

To advise that further collection efforts are being terminated To negotiate a settlement offer To request updated contact information To inform the consumer of a new balance

Correct Answer:

To advise that further collection efforts are being terminated

Question 4

What happens if a consumer's attorney is known to the debt collector?

The collector must communicate with the attorney, not the consumer The collector may contact both the consumer and attorney The collector must send a written notice to the attorney only The collector must stop all collection activity

Correct Answer:

The collector must communicate with the attorney, not the consumer

Question 5

Can a debt collector contact a consumer at their place of employment?

Only if the collector has no reason to know that employer prohibits such calls Yes, at any time during business hours No, workplace contact is always prohibited Only with the consumer's written permission

Correct Answer:

Only if the collector has no reason to know that employer prohibits such calls

Question 1

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About this Exam

Prepare with the FDCPA Certification Exam practice quiz. This question bank includes 30 questions covering debt, collector, consumer, fdcpa, and lawsuit. Use it to review important concepts, identify knowledge gaps, and build confidence for the related exam, course, or assessment.

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FDCPA Certification Exam

This practice set contains 30 questions from the matching question bank and focuses on debt, collector, consumer, fdcpa, and lawsuit. Work through each question carefully, review the provided solutions, and revisit topics that need more study before your next attempt.

This is an independent study resource intended for practice and review; it is not an official examination or an endorsement by any organization named in the title.

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FDCPA Certification Exam

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