As per your request here I am providing you some sample papers of FDCPA for preparation.


Sample paper1:

Question Excerpt
1. Wich of the following is the primary law that regulates debt collecting?
A. FCRA
B. FDCPA
C. FDPCA
D. FICO
E. FCBA

2. If a consumer notifies a debt collector in writing that the consumer refuses to pay a consumer debt or requests the debt collector cease communicating with the consumer, the debt collector must stop contacting the consumer.
A. TRUE
B. FALSE

3. Acording to the FDCPA, a debt collector may not use abusive or obscene language.
A. TRUE
B. FALSE

4. A debt collector may telephone a consumer about a consumer debt at the consumers place of employment after the consumer tells the debt collector he cannot receive such telephone calls.
A. IF THE CONSUMER FAILS TO FOLLOW UP SUCH REQUEST WITH A LETTER
B. IF THE DEBT COLLECTOR HAS NO OTHER CONTACT INFORMATION EVEN AFTER MAKING A REASONABLE EFFORT TO OBTAIN ANOTHER PHONE NUMBER
C. IF THE CONSUMER WORKS BETWEEN 8:00AM AND 9:00PM
D. IF THE DEBT COLLECTOR TELEPHONES THE EMPLOYER FIRST AND GETS PERMISSION
E. NEVER

5. A debt collector may normally discuss a consumer debt only with the consumer and the following people.
A. AN ATTORNEY
B. THE CONSUMER'S PARENTS, IF THE PARENTS LIVE WITH THE CONSUMER
C. THE CONSUMER'S CHILDREN IF THEY ARE OVER 18 YEARS OF AGE
D. A PERSON THAT THE CONSUMER HAS LISTED AS A "CONTACT" ON THE CONTRACT THAT CREATED THE DEBT
E. NONE OF THE ABOVE



6. The following is commonly called the "mini-miranda" pursuant to 15 U.S.C. 1692e(11).
A. THIS IS AN ATTEMPT TO COLLECT A DEBT, AND ANY INFORMATION WILL BE USED FOR THAT PURPUSE
B. I AM A DEBT COLLECTOR, AND YOU HAVE THE RIGHT TO NOT SPEAK WITH ME IF YOU CHOOSE
C. I WANT TO ADVISE YOU THIS CALL MAY BE RECORDED OR MONITORED
D. THIS IS AN ATTEMPT TO COLLECT A DEBT,
E. NONE OF THE ABOVE


7. If a debt collector calls a third party, that may not be a violation of the FDCPA, (Choose the best answer.)
A. ALWAYS TRUE
B. ALWAYS FALSE
C. TRUE, AS LONG AS THE DEBT COLLECTOR NEVER DISCLOSES THE NAME OF HIS COMPANY.
D. TRUE, AS LONG AS THE DEBT COLLECTOR NEVER DISCLOSES THAT THE CONSUMER OWES A DEBT.
E. TRUE, AS LONG AS THE DEBT COLLECTOR IS UNABLE TO CONTACT THE CONSUMER ANY OTHER WAY


8. With regard to debt collection, Congress has found what?
A. ABUSIVE DEBT COLLECTION LEADS TO MARITAL INSTABILITY
B. ABUSIVE DEBT COLLECTION LEADS TO BANKRUPTCY
C. ABUSIVE DEBT COLLECTION LEADS TO INVASSION OF PRIVACY
D. NONE OF THE ABOVE
E. ALL OF THE ABOVE


9. Under the FDCPA, you can only be awarded up to $1000.00 in damages
A. TRUE
B. FALSE


10. In good faith, you bring a lawsuit against an abusive debt collector.
A. IF YOU LOSE YOU WILL HAVE TO PAY THE DEBT COLLECTOR'S ATTORNEY FEES AND/OR COST
B. EVEN IF YOU WIN YOU WILL STILL HAVE TO PAY YOUR ATTORNEY FEES, SO THERE IS LITTLE POINT TO DO SO
C. IF YOU WIN, YOU ARE NO LONGER RESPONSIBLE FOR ANY VALID DEBT.
D. ALL OF THE ABOVE
E. NONE OF THE ABOVE
Sample paper 2:

1. What is the purpose of the F.D.C.P.A.?
A. To make sure debtors pay their bills
B. To give collectors a guide to collecting
C. To make collections practices consistent from state to state
D. To help prosecute debtors who refuse to pay


2. Section 805 Deals with...
A. Communication with the the Consumer
B. Misrepresentation
C. Acquisition of Location Information
D. Validation of Debt


3. Which state below does not allow a collector to discuss the consumer's debt with their spouse?
A. Idaho
B. Massachusetts
C. Indiana
D. Montana


4. If the consumer lives in California, you must wait until...
A. 8:00 AM EST to call
B. 9:00 AM EST to call
C. 10:00 AM EST to call
D. 11:00 AM EST to call


5. F.D.C.P.A. violations can lead to
A. Fines
B. Lawsuits
C. Loss of Employment
D. All of the Above


6. Which of the following is NOT considered a form of harassment
A. Calling a consumer after they tell you they refuse to pay the debt
B. Ringing a consumers phone repeatedly
C. Using profane laguage
D. Not disclosing your identity



7. When speaking with third parties, a collector cannot...
A. Identify their name and the company they work for
B. Discolse the nature of the call
C. Ask for the consumer's new telephone number or address
D. Call the third party more than once, even if they ask you to


8. Which is the governing agency of the F.D.C.P.A.?
A. FDIC
B. FCC
C. DEA
D. FTC


9. Which of the following is NOT an example of misrepresentation?
A. Increasing the amount of the debt to include the collector's overtime pay
B. Advising the consumer that further action may be taken if the debt is not satisfied
C. Using terms such as plaintiff, damages and versus when communicating with the debtor
D. Threats to issue a warrant for arrest for failure to pay


10. If you have a good contact number for the consumer, what third party can you still contact?
A. Neighbors
B. Landlords
C. Relatives
D. None


11. If the consumer has an attorney, you may continue calling the consumer
A. True
B. False


12. If a consumer sends a written notice that they dispute the debt, you must cease communications to verify the debt
A. True
B. False


13. You can contact the consumer at 9:30PM if the consumer tells you that is the best time to reach them
A. True
B. False
14. If the consumer states they do not owe the debt and hangs up, it is illegal to contact them again regarding the debt.
A. True
B. False


15. It is okay to tell the consumer's mother that the consumer owes debt because she may pay it for him.
A. True
B. False


16. Give the section number of the F.D.C.P.A. that handles Harassment
17. How long does a consumer have to dispute the validity of the debt?
18. A collector is allowed to contact a third party more than once if they believe the information is
19. Give two examples of a third party
20. State the Mini-Miranda

All the best for preparation!!