HomeDebt collector exam If you successfully complete this exam you will receive a certificate of achievement via the email you provide below. The signed certificate must be included with your application for a debt collector licence. Step 1 of 119%I prefer to respond anonymouslyYesNoName First Last Email Enter Email Confirm Email Collection AgencyIf a debtor agrees to pay for some or all of the costs incurred by a collector collecting or attempting to collect her or his debt, is the debtor bound by this agreement?*NoYesA collector is a person who:*All of these optionsCollects or attempts to collect its own debts (as the original creditor)Collects and attempts to collect debts it has purchasedCollects or attempts to collect debt owed to another personWho can allege harassment due to the manner or frequency of communication with a collector?*None of theseAll of theseA debtor's employerA debtor's neighbourA debtor's family memberThreatening to publish a debtor's failure to pay a debt, in a manner generally accessible to the public, is acceptable under the Act.*TrueFalseA debt collector may not communicate verbally with a debtor until the collector:*Obtains a copy of the debtor's credit report and reviews itReceives agreement in writing that they can contact the debtorKnows that the debtor is employed at least 15 hours per weekKnows that the debtor is employed full-timeSends written notice to the debtorA debtor may agree to be contacted by the collector at their place of employment.*FalseTrueA debtor can compel a collection agency to contact them in writing only if:*The debtor submits the demand by email or letter and provides a mailing or emailing address where the debtor can be reached.The debtor provides a mailing address for the collector to useNeither of theseBoth of theseIn order for a debtor to dispute a debt and stop all collection activity, except legal action, the debtor must:*Clearly state their reasons for disputing the debtNotify the collector and the creditor in writing that the debt is disputed and the debtor wants the matter to go to courtBoth of theseNone of theseA reasonable amount of pressure can be applied to family and friends of debtors in order to have the debtor contact the collector.*TrueFalseExcept for Sundays and statutory holidays, a debtor may be contacted between the hours of 7 a.m. and 9 p.m., local time for the collector.*TrueFalseIf there is no history of dishonoured payments, a collector must allow a debt to be paid by cheque or debit card.*TrueFalseIt is acceptable to demand that a debtor submit written notice or payment via registered mail.*FalseTrueA collector cannot collect an amount that is more than the amount of the debt owed to the creditor.*FalseTrueParents of a debtor may be contacted about a debt if:*Both of theseNeither of theseThe debtor lives with themThey guaranteed the debt which is in defaultA creditor may give a collector the authority to bring or continue a legal proceeding by:*Granting the authority in writing in each caseGranting the authority in the collection agreement between the creditor and collection agentBoth of these optionsAdvising a debtor that an unfavourable payment history will remain on their credit report for longer than 6 years from the date the payment was FIRST late or missed is misleading and contrary to the legislation.*FalseTrueNon payment of a contractual debt is a criminal offence and may result in 6 months imprisonment or a $10,000 fine.*TrueFalseA debtor who refuses to either pay a lawful debt or make a suitable payment arrangement enables the collector to contact the local police for assistance.*FalseTrueA collector is able to automatically garnish a debtor's wages under the Business Practices & Consumer Protection Act.*FalseTrueIt is acceptable for a collector to identify themselves as someone other than a collector when trying to locate a debtor.*TrueFalseTo compensate for allowing a debt to default, a debtor must pay any reasonable collection costs a collector may incur while collecting or attempting to collect the debt.*TrueFalseIt is considered an unreasonable collection practice for a collector to advise a debtor that the debtor will be responsible for the creditor's lawyer fees for an action that would be heard in Provincial Court.*TrueFalseA collection agent may add interest to a debt when the debt is in arrears even if the credit agreement does not provide for interest:*Only for the time period the debt is in arrearsOnly on the amount of the debt that is in arrearsBoth of thoseNeither of theseYou have learned that a debtor will be home today to attend their brother's funeral. Since you cannot call them at work, can you call them at their home today?*YesNoIf a debtor informs you that they are disputing the debt you are calling about, you:*Can still contact them about the debt until they actually go to courtCan demand to see the evidence that they haveMust stop trying to collect the debt if the debtor informs you and the creditor in writing of the disputeWhen a collection agency begins to collect a debt:*The time limitation for collecting on the debt starts overThe debt is already so overdue that extra pressure is now OK to use on a debtor to make the debtor pay the debtThe time limitation remains unchanged and is still calculated from the date the debt first became past-dueOn a statutory holiday, a debtor or a debtor’s employer can only be called:*If the debtor or the debtor’s employer requests and pre-arranges a time to be contactedDuring regular business hoursNeverWhen a debtor has requested communication in writing only but has not responded to any of the letters sent to them by the collector,*The debtor can be sued for not answering collection lettersThe debtor is ignoring the fact that they have not paid their bill and the collector should start calling againThe collector cannot begin to call the debtor againThe debtor is acting illegallyIf they are located outside of BC, debt collection employees are not required to be licensed in BC if they are only calling into BC.*FalseTrueThreatening to publish a debtor's failure to pay a debt in a manner generally accessible to the public constitutes harassment under the Act.*FalseTrueA collector does not require authorization from the debtor to communicate with a debtor's employer to confirm the debtor's wages, benefits or personal information related to collecting the debt.*TrueFalseMust a collector be able to account for any increase in the amount of a debt since it was first due and payable?*YesNoA collector demands a fee to provide a debtor with a breakdown amount of an old debt. The debtor claims he must be provided with the information before the debt can be collected and with no cost. Who is right?*The collectorThe debtorA debtor has provided a valid email to a creditor. The collector has not yet provided written notification to the debtor. The collector wants to contact the collector by phone instead of email, can they do this?*YesNoA collector who has a home address of a debtor may only call the debtor before sending out the Section 115(1) initial notice if:*The collector has actual reasons to believe it is not correctThe debtor has a reputation of lying to other collectorsAll of theseThe address is from 3 years ago or longerThe collection agency usually only sends the initial notice by email so the email is neededA collector is unsuccessful in contacting a debtor by email which is the only contact info they have for the debtor. The collector wants to call the debtor at work to obtain the debtor's home phone number. Is this allowed?*NoYesAfter reaching a debtor on their home telephone, the collector must do what as soon as the contact is established?*Threaten the debtor with legal action if the debtor hangs upIdentify themself and their authority to collect the debtIdentify themself and their authority to collect the debt and give the debtor details about the debt ownership and amount owedBe adaptive and do what the collector believes will result in payment of the debtDemand payment of the debtHow many notices must a debtor be sent by a collector intending to sue on a debt assigned to the collector?*NoneTwoOneThreeMust a creditor collecting its own debt give notice to a debtor that a proceeding may be brought against the debtor to recover the debt before bringing such an action?*YesNoCan a collector acting for a certain creditor also act as a debt repayment agent for a debtor if the debtor owes money to that certain creditor?*YesNoCould a collector threatening a debtor with debtor's prison if a debt is not paid be charged with an offence under the Business Practices and Consumer Protection Act?*YesNoCan the number of times a collector calls a debtor about a debt (call frequency) be considered as harassment of the debtor under the legislation?*YesNoUnder the Debt Collection And Repayment Regulation, what must an employee of a licensed collection agency do if the employee receives money from a debtor?*Thank the debtor for the paymentCalculate their commission on the payment and advise their employer accordinglyAll of the 3 actionsNone of the 3 actions,Ensure the money is deposited directly into the collection agencies' trust account within 5 days of when the money was receivedA debtor is refusing to answer collection calls from a collector. The collector has the debtor's daughter's telephone number. Can the collector call the daughter to discuss the debt?*NoYesA collector called the manager of a debtor at their work and demanded that the debtor take the call because a debt the employee has is in arrears and payment is required immediately to avoid a default. Is this permitted?*YesDepends on situationNoA debtor is fired from their job because of repeated calls from a collector that required them to leave their work station for extended periods. Can the debtor bring a legal action against the collector for any damages or losses that resulted from their loss of employment?*NoYesA debt collection agency employee located in Ontario has been assigned a debt for collection that is owed by a person living in BC. The agency is licensed in Ontario but not in BC. Does the Ontario agency require a BC licence to collect this debt?*YesNoA collector does not have a debtor's home contact information. Is a collector allowed to contact a debtor's neighbour to request the debtor's home address, phone number or email?*YesNoA collector only has a home address for a debtor but wants a telephone number as well, which the debtor has refused to provide. Can the collector call a family member or neighbour in an attempt to obtain the number?*YesNoA collector who was previously informed by the debtor to only communicate with the debtor in writing, wants to call the debtor and explain that legal proceeding in court may commence. Can the collector call the debtor?*YesNo
