Fair Debt Collection Practices Act (FDCPA)
Under the FDCPA, which of the following individuals is considered a “debt collector”?
A. The original creditor
B. Any individual collecting their own debt
C. A third party collecting debt on behalf of another
D. A mortgage underwriter
What is C. A third party collecting debt on behalf of another?
What is a reasonable accommodation under the Fair Housing Act?
A. Any architectural improvement
B. A free service for tenants
C. A change to a policy to allow equal access for someone with a disability
D. A donation to the association
What is C. A change to a policy to allow equal access for someone with a disability?
When a homeowner files for bankruptcy, a community manager should:
A. Immediately begin eviction
B. Notify the board
C. Notify the collection attorney
D. Send a final notice of lien
What is C. Notify the collection attorney?
The Virginia Graeme Baker Pool and Spa Safety Act (VGBA) requires:
A. Monthly pool inspections
B. Automatic pool covers only
C. Drain covers and safety vacuum release systems
D. Fences around private pools
What is C. Drain covers and safety vacuum release systems?
When is it illegal for a debt collector to contact a debtor?
A. Before 7:00 AM
B. Before 8:00 AM or after 9:00 PM
C. Between 9:00 AM and 5:00 PM
D. On weekends only
What is B. Before 8:00 AM or after 9:00 PM?
Which of the following would be a reasonable modification?
A. Waiving late fees
B. Installing grab bars in a bathroom
C. Changing pet policy for all residents
D. Offering a rent discount
What is B. Installing grab bars in a bathroom?
What is an automatic stay in bankruptcy?
A. A hotel reservation
B. A court order preventing collection efforts
C. A pause on voting rights
D. An extension for HOA dues
What is B. A court order preventing collection efforts?
If a community manager is asked to install a non-compliant pool cover under VGBA, they should:
A. Follow the board's direction
B. Install it and notify the board later
C. Refuse and explain there may be legal implications if the cover is not compliant
D. Ignore the request
What is C. Refuse and explain there may be legal implications if the cover is not compliant?
A debt collector cannot contact a debtor at work if:
A. The debtor has already paid in full
B. The employer disapproves
C. The debtor works part time
D. It’s the collector’s only method of contact
What is B. The employer disapproves?
Can an HOA require a resident to remove a modification after they move out?
A. Yes, if it’s in a written agreement
B. No, under any circumstances
C. Only if the board dislikes it
D. Only if the ARC votes unanimously
What is A. Yes, if it’s in a written agreement?
What is OTARD intended to protect?
A. Neighbor disputes
B. Political signs
C. Over-the-air reception devices like satellite dishes
D. HOA signs
What is C. Over-the-air reception devices like satellite dishes?
Under FHA Lending guidelines, too much commercial space can:
A. Increase value
B. Qualify more buyers
C. Disqualify the community from FHA certification
D. Make units more affordable
What is C. Disqualify the community from FHA certification?
What must a debtor do to stop a collector from contacting them?
A. Tell them in person
B. Notify the HOA board
C. Send a written request within 30 days
D. File a lawsuit immediately
What is C. Send a written request within 30 days?
What is the interactive process?
A. HOA providing legal advice to the resident
B. A back-and-forth dialogue to determine a fair accommodation
C. A series of court hearings
D. A marketing strategy
What is B. A back-and-forth dialogue to determine a fair accommodation?
Under the Housing for Older Persons Act (HOPA), at least what percentage of units must have someone 55+?
A. 100%
B. 90%
C. 80%
D. 50%
What is C. 80%?
What is common law primarily based on?
A. Judicial precedent and past rulings
B. Legal theory
C.Statutory codes
D. Legislative lobbying
What is A. Judicial precedent and past rulings?
If a debt collector breaks the law, what can the debtor do?
A. Ignore it
B. Report them to their employer
C. Sue in state or federal court within 1 year
D. Call 911
What is C. Sue in state or federal court within 1 year?
Which of the following CAN be requested by an HOA as documentation?
A. Full medical records
B. Resident's full diagnosis
C. A doctor’s note confirming the need for accommodation
D. Proof of income
What is C. A doctor’s note confirming the need for accommodation?
In most age-restricted communities, no one under what age may reside?
A. 21
B. 19
C. 18
D. 16
What is B. 19?
Why should managers be aware of rulings in other states?
A. To avoid federal taxes
B. They never apply in Nevada
C.It’s interesting trivia
D. They may influence Nevada decisions through federal court precedent
What is D. They may influence Nevada decisions through federal court precedent?