CERTIFIED CONSUMER DEBT EXAMINATION PREP SHEET FULLY ACTUAL TEST PAPER
QUESTIONS CORRECT ANSWERS GRADED A PLUS
Certified Consumer DEBT Examination PREP Sheet
2026/2027 Fully Solved Questions and Answers
Verified Solutions Latest Update
Question:
Why is trust important to the client/counselor relationship?
Answer:
Both A and B. The client needs to feel comfortable speaking with The CCDS and money is usually a
difficult topic to discuss.
Question:
Which of the following factors are not necessarily needed for a financial counseling session to be
successful?
Answer:
A comfortable couch. For the session to be successful the following factors are needed
communication skills, listening and learning skills, and discussing sound financial principles.
Question:
Debt Settlement plans are the only solution for every individual you will speak with. True or false
Answer:
False
Question:
In helping your clients feel comfortable in the client/counselor relationship, remember to:
Answer:
Not share their personal information with other clients.
,Question:
Obstacles that may prevent the CCDS from being effective in a counseling session are:
Answer:
Both B and C. Being preoccupied and being distracted by words and phrases.
Question:
Prejudging a client is detrimental to the counseling session because it will impair your ability to
communicate, listen and respond. True or false
Answer:
True
Question:
Someone who uses predominately visual style of learning would most likely say:
Answer:
Can I see that example again?
Question:
Verbal pacing is when you adapt your counseling style do the clients learning style. True or false
Answer:
True
Question:
Maslow's hierarchy of needs:
Answer:
Can help you to understand your clients monetary value system.
Question:
, Counseling sessions can be held in what format?
Answer:
All of the above. These include Internet counseling, telephone counseling, in person counseling.
Question:
Open ended questions:
Answer:
Are a good way to get your client involved in a conversation.
Question:
The process of problems solving:
Answer:
Both a and B. Assumes there are obstacles preventing the client form moving on and addresses the
importance of removing barriers to decision-making.
Question:
When it comes to saving money, even if your client is only able to save one dollar a day, they will
have a sense of accomplishment as the money starts to accumulate. True or false
Answer:
True
Question:
It is possible to have a working budget without including fixed monthly expenses. True or false
Answer:
False
Question:
QUESTIONS CORRECT ANSWERS GRADED A PLUS
Certified Consumer DEBT Examination PREP Sheet
2026/2027 Fully Solved Questions and Answers
Verified Solutions Latest Update
Question:
Why is trust important to the client/counselor relationship?
Answer:
Both A and B. The client needs to feel comfortable speaking with The CCDS and money is usually a
difficult topic to discuss.
Question:
Which of the following factors are not necessarily needed for a financial counseling session to be
successful?
Answer:
A comfortable couch. For the session to be successful the following factors are needed
communication skills, listening and learning skills, and discussing sound financial principles.
Question:
Debt Settlement plans are the only solution for every individual you will speak with. True or false
Answer:
False
Question:
In helping your clients feel comfortable in the client/counselor relationship, remember to:
Answer:
Not share their personal information with other clients.
,Question:
Obstacles that may prevent the CCDS from being effective in a counseling session are:
Answer:
Both B and C. Being preoccupied and being distracted by words and phrases.
Question:
Prejudging a client is detrimental to the counseling session because it will impair your ability to
communicate, listen and respond. True or false
Answer:
True
Question:
Someone who uses predominately visual style of learning would most likely say:
Answer:
Can I see that example again?
Question:
Verbal pacing is when you adapt your counseling style do the clients learning style. True or false
Answer:
True
Question:
Maslow's hierarchy of needs:
Answer:
Can help you to understand your clients monetary value system.
Question:
, Counseling sessions can be held in what format?
Answer:
All of the above. These include Internet counseling, telephone counseling, in person counseling.
Question:
Open ended questions:
Answer:
Are a good way to get your client involved in a conversation.
Question:
The process of problems solving:
Answer:
Both a and B. Assumes there are obstacles preventing the client form moving on and addresses the
importance of removing barriers to decision-making.
Question:
When it comes to saving money, even if your client is only able to save one dollar a day, they will
have a sense of accomplishment as the money starts to accumulate. True or false
Answer:
True
Question:
It is possible to have a working budget without including fixed monthly expenses. True or false
Answer:
False
Question:
