Chapter 6 Credit Bureaus And Collections Practices Part I: Question Preview (ID: 14156)

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When should you send a Cease and Desist letter to creditors?
a) The first time a creditor calls b) When a creditor calls you at work. c) Only in the most extreme situations. d) When a creditor lies to you.
A collector is taught to:
a) Be compassionate b) Help the debtor set priorities. c) Be firm, yet nice. d) Evoke strong emotion.
Which of the following is not covered under a bankruptcy?
a) Students loans b) Medical bills c) Car loan d) Credit Card Debt
Which statement is true about collectors?
a) Collectors can garnish your wages without legal action. b) Collectors work low-paying jobs with a high turnover rate. c) Both A and B d) Collectors work hard to help you improve your overall situation.
Which of the following is not one of the Four Walls?
a) Transportation b) Food c) Clothing d) Cable Television
How often should you talk to a collector?
a) Once a week b) Once a Month c) Every Two Weeks d) Every Day
In which case are you most likely to get sued if you are behind in paying bills?
a) If you are making no payments. b) If you call and settle the debt. c) Both A and B d) If you have stopped all contact with collectors.
Which of the following is NOT one of the steps to take if you are a victim of identity theft?
a) Pay up to $50 to each account on which a charge was made. b) File a police report c) Contact the fraud victim division of each credit bureau. d) Contact your bank and creditors.
Which of the following is/are true about lawsuits under $10,000?
a) They are filed in small claims court and are informal proceedings. b) All of the Above c) At any time during the process, you may settle with the creditor or their attorney. d) If the debt is valid, you will lose the case.
Which of the following is NOT a precaution to prevent your identity from being stolen?
a) Shred all documents that contain account information. b) Never buy anything on the internet if you are using a public internet cafe. c) Create passwords that have a combination of letters, numbers and characters. d) Keep your Social Security card on you at all times.
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