Answers to Consumer Rights Quiz from O'Neal Law Office Law and Life Blog (August 2013)

1. False. The FDCPA only covers debt collectors (technically defined as persons or entities collecting on debts owed to another), not creditors.

2. D

3. False. Click here to learn about how to respond if you are sued related to a debt you owe (or allegedly owe).

4. True. There is no automatic right of repossession when a vehicle is sold.

5. E

6. D. This is one of the ways the North Carolina Debt Collection Act provides more consumer protection than the Fair Debt Collection Practices Act.

7. C. Though the right of repossession must be stated in writing and signed by the buyer this is not covered under the Truth in Lending Act.

8. E

9. B