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 AgencyWhat is the name of the legislation that governs debt collection activity in British Columbia?*Bankruptcy and Insolvency ActBusiness Corporation ActBusiness Practices and Consumer Protection ActDebtors Assistance ActA collector is a person who:*Collects or attempts to collect its own debts (as the original creditor)Collects or attempts to collect debt owed to another personCollects and attempts to collect debts it has purchasedAll of these optionsThe prohibited debt collection practices in the legislation are applicable to third-party collection agents as well as to creditors collecting their own debts and buyers of third party debts.*FalseTrueA debt collector must be licensed in BC if they are contacting BC debtors from an office located in:*BCCanadaAnywhere in the worldThreatening to publish a debtor's failure to pay a debt, in a manner generally accessible to the public, is acceptable under the Act.*TrueFalseAn acceptable reason to contact debtors at their place of employment is to:*Obtain a debtor's residential contact informationConfirm a debtor's incomeDetermine the frequency of the debtor's paydaysNone of theseA debtor can compel a collection agency to contact them in writing only if:*The debtor provides a mailing address for the collector to useBoth of theseThe debtor submits the demand by email or letter and provides a mailing or emailing address where the debtor can be reached.Neither of theseIt is at the discretion of the collector whether the collection agency will deal with a debtor's lawyer or not, after being advised in writing by the debtor to do so.*TrueFalseA collector can communicate with a family member or relative of a debtor if:*All of thseThe debtor is unemployedThe debtor is unavailableNone of theseThe debtor authorized the collector to do soCollection calls can be made to BC residents on Sundays between 9am and 5pm.*FalseTrueUnless there is a history of dishonoured payments, a debtor must be allowed to make a debt payment using a cheque.*FalseTrueA collector cannot collect an amount that is more than the amount of the debt owed to the creditor.*FalseTrueFor a credit agreement that is silent about interest charges on overdue amounts, a debtor is only responsible to pay:*Court-ordered interestInterested applied on the debt by the collectorCompound interestInterest applied on the debt by the creditorSimple interestA debtor's spouse is equally liable for a debt even if she or he is not named in the credit agreement.*TrueFalseA creditor may give a collector the authority to bring or continue a legal proceeding by:*Both of these optionsGranting the authority in the collection agreement between the creditor and collection agentGranting the authority in writing in each caseAt the beginning of a communication with a debtor, the collector must clearly identify themself to a debtor as a third-party collection agent.*TrueFalseAdvising 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.*FalseTrueWhen speaking with a debtor's family member or neighbour, a collector may identify themselves as someone other than a collector to avoid embarrassing the debtor.*TrueFalseThe complete assignment or sale of a debt requires any resulting collection activity to be performed only by a licensed collection agent and collector.*FalseTrueA collector may charge an uncooperative debtor for the reasonable collection costs incurred by the collector while collecting the debt.*FalseTrueIf a collector engages in a prohibited collection practice, can the debtor sue for any damages or loss that result from the prohibited practice?*NoYesA debtor contacted about an overdue debt immediately begins swearing at the collector. In retaliation, the collector swears back at the debtor. Is this acceptable under the legislation?*NoYesA debtor told a collector that their mother may help pay a debt. Can the collector call the mother to pursue payment?*NoYesRemembrance Day falls on a Sunday. When can a collector telephone a debtor?*Only between 11 a.m. and 9 p.m.None of these optionsOnly after 11 a.m. until 5 p.m.Only between 1 p.m. and 5 p.m.You 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?*NoYesWhen 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-dueA collector may call a debtor’s employer to:*Show a debtor that they can’t hide from their responsibility to pay the debtLet other people know that the debtor is not paying their billsConfirm the debtor is employed there and to obtain the debtors title and work place addressRequest an agreement to garnish a debtor’s wagesIf 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.*TrueFalseDebtors are not obligated to communicate with debt collectors if they are contacted at their places of employment.*TrueFalseA collector must stop communicating with a debtor if the debtor notifies the collector to communicate with the debtor's lawyer and provides an address for the lawyer.*FalseTrueA collector does not know who the original creditor of an assigned debt was but does provide the debtor with an account number of the debt. Can the collector attempt to collect the debt?*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 debtorThe collectorA collector just received a debt to collect. They have both the debtor's old mailing address and a valid email address on file. Can the collector call the debtor to confirm the mailing address?*YesNoA 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?*NoYesA 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?*NoYesWho must give notice to a debtor that a legal proceeding will be brought to recover a debt?*A debt buyer collecting on a purchased debtNone of the 3 groupsA creditor collecting its own debtA collector assigned a debt for collection owing to another personAll 3 groupsWhat could happen if a collector does not notify a debtor that the collector intends to sue the debtor for recovery of a debt?*The collector is prohibited from bringing the proceedingAll of theseThe proceeding could fail in courtThe debtor could use the failure to provide the required notice as a defense to the actionBefore contacting a debtor's employer to obtain certain information about a debtor, what must the collector have done first from the options provided (among other things)?*Reviewed the file with a lawyerObtained the employer's legal name and mailing addressNone of these thingsGiven notice to the debtor that the collector intends to bring proceedings to collect the debtSent a similar request first to the registered corporate office of the employerA collector who fails to provide a debtor with written notice that the collector intends to bring proceedings to collect a debt can be charged with an offence under the Act.*FalseTrueCould 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?*NoYesThe legislation allows a collector to attempt to contact a debtor at their place of employment under two very restricted circumstances. Does the law also require the debtor to communicate with the collector during either of these attempts?*YesNoA debtor has provided proof to a collector that they assigned themselves into bankruptcy several years ago, including all their debts, and was absolutely discharged from the bankruptcy. Can collector still attempt to collect on a discharged debt?*NoYesA 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?*YesNoA father who guaranteed their son's car loan, which is now in default, has been contacted by a collector attempting to collect the loan. The father wants Consumer Protection to tell the collector to stop calling them. Is this possible?*NoYesA debtor in arrears is working out-of-country. Can their spouse, who has no liability for the debt, be used as a go-between to try to have the debt paid?*NoYesWhat penalties would collectors who contravene any of the legislative provisions regulating debt collection practices expose themselves to?*Convictions of an offenceLicence cancellationsLicence suspensionsAll of theseLegal proceedings for damages or lossAdministrative monetary penaltiesA debt is on its third assignment with a new collection agency. The previous agencies did not properly document accounting of the debt. The new agency cannot account for the increase in the debt since it first became due. What can it do?*Contact the previous agencies for enough information to prepare the accountingContact the creditor and obtain sufficient information to prepare the accountingNot attempt to collect the debtAny of these actionsA collector wants to send the notice to a debtor to begin verbal collection activity. They do not have the debtor's home address or email. To get this information they call the debtor at home. Is this lawful since the initial notice has not been provided to the debtor?*NoYesDebtors may be contacted at their cell phone number if:*They provided it to the collectorThey provided it to the creditor and the collector does not have a land line number for the debtorThe debtor has a land line but requested to be called on their cell phoneAll of these
