The phrase "This is an attempt to collect a debt and any information obtained will be used for that purpose." is referred to as: Notice of Privacy Policy Mini-Miranda Truth in Lending Disclosure

The FDCPA requires that the validation notice include the following: The itemization date The account number associated with the account on the itemization date An itemization of the current balance on the itemization date Name of creditor to whom is currently owed The consumer's name and address The name and address of the debt collector to which disputes are accepted Name of creditor owed as of the itemization date Itemization of current balance since the itemization date Current balance as of date of validation notice All of the above

An attempt is made to a consumer, but the call didn't connect. Does this count as a call allowed by the 7 X 7 X 7 Rule? Yes No

A debt collector may inform the debtor that legal action may be taken: Only if legal action is intended at the time the statement is made. If the debtor is represented by an attorney. If the collector believes that it will prompt a payment.

Permissible hours to contact a consumer is: 10 AM to 10 PM 8 AM to 9 PM in the time zone where the consumer is located 8 AM to 9 PM

Once a collector knows the consumer is represented by an attorney with respect to the debt, the collector must: Keep calling to comply with client work standards Close the account Communicate only with the consumer.

A collector may communicate with with the following The consumer The consumer's attorney Our client All of the above

If the validation letter is returned as undeliverable and a phone contact is made, another validation letter must be mailed within 10 days of the initial communication. True False

The Mini-Miranda is required in: The first communication with the consumer Any subsequent communication with the consumer Both A and B Which of the following is an example of the limited-content message: Please ask Mary Jones to call Robin Smith at 800-432-8388 This is Robin Smith calling from George Brown Associates, Inc. Please contact me at 800-432-8338.

Over-shadowing is when a payment is demanded during 30-day validation period. True False

If the debt amount is less than our threshold amount for legal action, a collection letter may still threaten suit in order to secure payments. True False

A consumer tells a debt collector, "Stop calling me". What action must the collector take? Don't make any more phone calls to this number. Cease and desist from all communication attempts. Do not call the consumer again. It means nothing because the consumer didn't use the word "inconvenient".

A consumer can be advised that their account will be reported to the credit bureau once it has been with GBA for 45 days. True False

Which of the following are true about the 7 X 7 X 7 Rule? A collector cannot call a consumer about an account more than 7 times within 7 consecutive days. A collector can call a consumer more than 7 times a day A collector cannot call within a period of 7 consecutive days after having had a phone conversation with the consumer Both A and B Both A and C

A collector is trying to reach a consumer about 2 different accounts. Based upon the call frequency restrictions, how many times can they attempt to call the consumer? Once a day 14 times in 7 consecutive days 7 times in 7 consecutive days 10 times in 7 consecutive days If the validation notice is returned and no phone conversation has occurred with the consumer, the account may be reported to the credit bureau. Yes No

The full definition of a debt according to the FDCPA is: Any obligation of a consumer to pay money Primarily for personal, family, or household purposes at the time of the transaction. Both A and B

Attorneys collecting on someone else's behalf are exempt from the FDCPA. True False

Who may sue a debt collector for violations of the FDCPA? The creditor The consumer Any person who was injured by the violation.

A collector can verbally harass and use profanity with a consumer in which of the following situations? The consumer misses a payment A consumer's check is returned for insufficient funds. The consumer uses profanity first. Never