The Ultimate Dealing with Debt Collectors Quiz
by Staff
Dealing with debt collectors is stressful and anxiety provoking, to say the least. To make matters worse, most people are unaware of their legal rights and obligations when it comes to debt collection. Before debt collectors start to bully you around, take this quiz and learn more about the process.

What is the most common complaint regarding inappropriate behavior by debt collectors?

  • illegal threats and verbal abuse
  • harassing friends and relatives of debtors
  • both of the above

What is the most important thing to know when dealing with debt collectors?

  • their methods of intimidation
  • your rights
  • how much you will owe

What can your doctor legally do if you claim bankruptcy and you don't pay your outstanding medical bills?

  • Your doctor can repossess your possessions.
  • Your doctor can destroy your medical records.
  • Your doctor can opt to stop treating you.

What suggestion will a debt collector likely recommend for paying off your debt?

  • Borrow money from friends or family.
  • Make payments in installments to the collector.
  • both of the above

How can a debt collector take advantage of a debtor?

  • They take advantage of a debtors ignorance of the law.
  • They take advantage of a debtors' stressful financial situation.
  • both of the above

According to the American Fair Debt Collection Practices Act, when can a debt collector call you?

  • any time of the day
  • only in the evenings between 7:00 p.m. and 11:00 p.m.
  • only between 8:00 a.m. and 9:00 p.m.

It is against the law for debt collectors to _______________.

  • threaten suing you if you do not pay up
  • repeatedly call you
  • both of the above

Unpaid debt is a:

  • civil matter
  • criminal matter
  • neither of the above

Debt collectors are permitted to call your family, friends and co-workers. What information are they permitted to collect from your family, friends and co-workers?

  • only your address
  • your address, phone number and place of employment
  • any information related to your debt

How can you get a debt collector to stop calling you?

  • You can simply tell the debt collector to stop calling.
  • You must send the debt collector a letter in the mail.
  • Your attorney must contact the debt collector.

Who is not obligated to follow the Fair Debt Collection Practices Act?

  • lawyers
  • creditors
  • both of the above

What will happen if you ignore a debt collector's calls and letters?

  • Nothing will happen.
  • Your credit rating will fall.
  • They will come to your door.

Whom do I actually owe money to when my account has been transferred to a debt collector?

  • the debt collector
  • the creditor
  • half to the debt collector and half to the creditor

You should ask a debt collector to validate your debt. What does this mean?

  • It involves authorization from your original creditor.
  • It involves a complicated process and can be a stalling tactic on your part.
  • both of the above

How long does a debt collector have to complete a debt validation request?

  • 30 days
  • 60 days
  • 90 days