Communication and Documentation Flashcards
7 cards from real CAC practice questions. Tap to flip, then mark Knew It or Still Learning — missed cards come back until you master them.
Read the first 7 Communication and Documentation flashcards as text
How many days does a consumer generally have to dispute a debt after receiving the FDCPA validation notice?
Answer: 30 days
The validation notice gives the consumer 30 days to dispute the debt.
A customer says they have an attorney for the debt and gives the attorney's contact information. What should the collector do?
Answer: Communicate with the attorney instead of the customer
Under the FDCPA, a collector must deal with a consumer's known attorney unless the attorney fails to respond within a reasonable time or agrees to direct contact.
After a consumer sends a written request to stop all communication, what can a collector still send?
Answer: Notice that collection efforts are ending or that a specific remedy may be invoked
FDCPA 805(c) allows only limited notices, such as ending collection efforts or invoking a specific remedy.
Which of these should NEVER appear in account documentation?
Answer: Personal opinions such as 'customer is a liar'
Notes may be reviewed by regulators or courts, so they should be objective and leave out personal judgments.
Under the E-SIGN Act, what is required before a creditor can provide required disclosures electronically instead of on paper?
Answer: The consumer's affirmative consent after receiving required pre-consent disclosures
E-SIGN requires the consumer's affirmative consent, given in a way that shows they can access the electronic format.
Under UCC Article 9, what must a secured party generally do before disposing of a repossessed vehicle?
Answer: Send a reasonable authenticated notification of disposition to the debtor
UCC 9-611 requires reasonable authenticated notice of disposition to the debtor and certain other parties.
Under Regulation F, which voicemail content is a 'limited-content message' that is not treated as a communication?
Answer: The consumer's name, a request to reply, the caller's name, and a callback number
Regulation F defines a limited-content message as one that leaves out debt details and contains only certain items.