FDCPA
FDCPA (2)
VIDEO
OFFICE POLICY
CO-WORKERS
100
True or False. You may speak with anyone that resides with the consumer regarding the account in our office.
False
100
Please give an example of something that would be considered harassment under the FDCPA.
Calling 5x and letting the phone ring, etc...
100
What is the question that M. Newburger states will anger attorneys the most?
What is your bar number?
100
On every outbound call, our office policy is to say both the mini-Miranda and _______________.
Call recording disclosure
100
This employee was born in Colorado. She is getting married in a few months. She graduated from The University of Arizona.
Who is Kaylen?
200
True or False. You only have to add the DNC flag to a consumer's POE phone number if the CONSUMER tells you they aren't allowed to receive calls at work. You don't have to listen to a third party at the consumer's POE.
False.
200
Please give an example of something that would be considered false or misleading under the FDCPA.
Using any company, corporation or business name other than the true name of the company, corporation or business, etc
200
M. Newburger states that you should always assume you are being recorded. How can you tell if you are being recorded?
M. Newburger states that it is a myth that you can hear beeps or echos. You can not tell if you are being recorded.
200
The percentage of wages that can be withheld in a garnishment is up to ____.
25% of a consumer's disposable income (after taxes/REQUIRED deductions)
200
This employee has two children. Her home is filled with pets. She recently took her children to Disneyland and is often complimented for her professional and friendly tone when taking consumer payments.
Who is Danista?
300
If a consumer says, “Don’t ever call me again”, we should:
Honor the consumer's request and add the DNC flags to the phone numbers on file.
300
According to the F.D.C.P.A. how many times should you let the telephone ring when calling a consumer?
There is no specific limitation.
300
Rather than ask if an attorney has been paid his retainer, what is the proper way to confirm you should deal with an attorney on the consumer's behalf (according to M. Newburger)?
You should ask the attorney, "Do you represent Jane Doe with regard to this account?"
300
The F and C information that should be updated during every call with the consumer is:
Address Phone POE/POE Address Marital Status
300
This employee drives a long way to and from work each day. This employee worked in the Liens Department of HLF prior to starting with HLG.
Who is Kristie?
400
What does FDCPA stand for?
Fair Debt Collection Practices Act
400
Under the F.D.C.P.A., location information is described as:
The consumer’s home address The consumer’s place of employment The consumer’s home phone
400
Please state the three questions you should ask yourself during your calls (according to the video).
Am I telling the truth? How would I sound on a recording? Am I making this person angry?
400
True or False. You can use an alias when speaking to a consumer if you have a difficult name for the consumer to say or spell.
False
400
This employee is from Alaska. Her husband is in the military.
Who is Samantha?
500
When can you advise a consumer that if they do not make payment on their account, it will result in the garnishment of their wages?
If we have judgment, know where they work, are scheduled to file garnishment, etc (can't threaten anything we aren't prepared to do)
500
If a consumer disputes a debt during the validation period our office is required to:
Provide validation of the debt prior to continuing collection efforts.
500
Please state the four Compliance Rules according to M. Newburger.
Tell the truth. Always assume you are being recorded. Don't make consumers angry. Don't make lawyers angry.
500
What is an acceptable payment arrangement for a consumer that we have a judgment on for approx. $7k, she is 75 yol, on SSI but owns her home?
Set an arrangement that is affordable for her.
500
This employee will be traveling to Chicago later this month to visit family. This employee has been doing collections for several years. This employee enjoys sports.
Who is Manny?
M
e
n
u