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Free CRCM Exam Braindumps
CERTIFIED REGULATORY COMPLIANCE MANAGER (CRCM) Questions 154–156 (page: 94)

Updated On: 9-Feb-2026
Page 94 of 276
PDF with 463 Questions

Any person in one of the following category can be debt collector:

  1. A person operating a business whose principal purpose is to collect debts
  2. A person who regularly collects or attempts to collect debts owed to another (this includes outside counsel who collects debts on behalf of the financial institution)
  3. A creditor who collects its own debts using a name other than its own, giving the impression that a third party is collecting it
  4. A creditor who collects its own debts because of his forefathers

Answer(s): A,B,C



Unless the debt collector has express permission from the consumer or from a court, the law prohibits communication with a consumer under the following conditions EXCEPT:

  1. At an unusual time or place, such as before 8:00 a.m. or after 9:00 p.m., local time at the consumer's location
  2. When the debt collector knows that the consumer is represented by an attorney in connection with the debt and the attorney's name and address are known (unless the attorney fails to respond within a reasonable period of time to communication from the debt collector)
  3. At the consumer's place of employment if the debt collector doesn't know or has no reason to know that the employer forbids such communication
  4. If the consumer has notified the collector in writing and asked that the collector ceases all further contact. The debt collector may, in such circumstances, notify the debtor of any special remedies available to it, notify the debtor that collection efforts are being terminated, or notify the borrower that the creditor is invoking a specific remedy.

Answer(s): C



Unless the debt collector has express permission from the consumer or from a court, the law prohibits communication with a consumer under the following conditions EXCEPT:

  1. At an unusual time or place, such as before 8:00 a.m. or after 9:00 p.m., local time at the consumer's location
  2. When the debt collector knows that the consumer is represented by an attorney in connection with the debt and the attorney's name and address are known (unless the attorney fails to respond within a reasonable period of time to communication from the debt collector)
  3. At the consumer's place of employment if the debt collector doesn't know or has no reason to know that the employer forbids such communication
  4. If the consumer has notified the collector in writing and asked that the collector ceases all further contact. The debt collector may, in such circumstances, notify the debtor of any special remedies available to it, notify the debtor that collection efforts are being terminated, or notify the borrower that the creditor is invoking a specific remedy.

Answer(s): C



Unless the debt collector has express permission from the consumer or from a court, the law prohibits communication with a consumer under the following conditions EXCEPT:

  1. At an unusual time or place, such as before 8:00 a.m. or after 9:00 p.m., local time at the consumer's location
  2. When the debt collector knows that the consumer is represented by an attorney in connection with the debt and the attorney's name and address are known (unless the attorney fails to respond within a reasonable period of time to communication from the debt collector)
  3. At the consumer's place of employment if the debt collector doesn't know or has no reason to know that the employer forbids such communication
  4. If the consumer has notified the collector in writing and asked that the collector ceases all further contact. The debt collector may, in such circumstances, notify the debtor of any special remedies available to it, notify the debtor that collection efforts are being terminated, or notify the borrower that the creditor is invoking a specific remedy.

Answer(s): C



Debt collector may not abuse or harass the consumer by:

  1. Using or threatening to use violence or to harm the physical person, reputation, or property of any person when collecting a debt
  2. Using obscene, profane, or abusive language when communicating with anyone
  3. Allowing a telephone to ring repeatedly or engaging a person in telephone conversations repeatedly with the intent to abuse or harass
  4. Making telephone calls without meaningful disclosure of the caller's identity

Answer(s): D



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