Certified Consumer Debt Specialist
UPDATED ACTUAL Exam Questions and
CORRECT Answers
One of the objectives of the CCDS certification is to: - CORRECT ANSWER- ✔✔To learn to
negotiate with creditors
Why is trust important to the client/counselor relationship? - CORRECT ANSWER- ✔✔Both
A and B. The client needs to feel comfortable speaking with The CCDS and money is usually
a difficult topic to discuss.
Which of the following factors are not necessarily needed for a financial counseling session
to be successful? - CORRECT 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.
Debt Settlement plans are the only solution for every individual you will speak with. True or
false - CORRECT ANSWER- ✔✔False
In helping your clients feel comfortable in the client/counselor relationship, remember to: -
CORRECT ANSWER- ✔✔Not share their personal information with other clients.
Obstacles that may prevent the CCDS from being effective in a counseling session are: -
CORRECT ANSWER- ✔✔Both B and C. Being preoccupied and being distracted by words
and phrases.
Prejudging a client is detrimental to the counseling session because it will impair your ability
to communicate, listen and respond. True or false - CORRECT ANSWER- ✔✔True
Someone who uses predominately visual style of learning would most likely say: -
CORRECT ANSWER- ✔✔Can I see that example again?
Verbal pacing is when you adapt your counseling style do the clients learning style. True or
false - CORRECT ANSWER- ✔✔True
, Maslow's hierarchy of needs: - CORRECT ANSWER- ✔✔Can help you to understand your
clients monetary value system.
Counseling sessions can be held in what format? - CORRECT ANSWER- ✔✔All of the
above. These include Internet counseling, telephone counseling, in person counseling.
Open ended questions: - CORRECT ANSWER- ✔✔Are a good way to get your client
involved in a conversation.
The process of problems solving: - CORRECT 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.
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 -
CORRECT ANSWER- ✔✔True
It is possible to have a working budget without including fixed monthly expenses. True or
false - CORRECT ANSWER- ✔✔False
Net worth is: - CORRECT ANSWER- ✔✔The total of one's financial assets minus total
financial liabilities.
It would be wise to suggest to clients who receive your tax refunds that the adjuster is
holdings to incorporate that chunk of money back into their paychecks. True or false -
CORRECT ANSWER- ✔✔True
Having a good credit rating is important: - CORRECT ANSWER- ✔✔All of the above.
These include in getting a reasonable car insurance rate, when applying for a job, and when
renting an apartment.
Someone who is a victim of identity theft should: - CORRECT ANSWER- ✔✔Close any
accounts that have been tampered with.
UPDATED ACTUAL Exam Questions and
CORRECT Answers
One of the objectives of the CCDS certification is to: - CORRECT ANSWER- ✔✔To learn to
negotiate with creditors
Why is trust important to the client/counselor relationship? - CORRECT ANSWER- ✔✔Both
A and B. The client needs to feel comfortable speaking with The CCDS and money is usually
a difficult topic to discuss.
Which of the following factors are not necessarily needed for a financial counseling session
to be successful? - CORRECT 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.
Debt Settlement plans are the only solution for every individual you will speak with. True or
false - CORRECT ANSWER- ✔✔False
In helping your clients feel comfortable in the client/counselor relationship, remember to: -
CORRECT ANSWER- ✔✔Not share their personal information with other clients.
Obstacles that may prevent the CCDS from being effective in a counseling session are: -
CORRECT ANSWER- ✔✔Both B and C. Being preoccupied and being distracted by words
and phrases.
Prejudging a client is detrimental to the counseling session because it will impair your ability
to communicate, listen and respond. True or false - CORRECT ANSWER- ✔✔True
Someone who uses predominately visual style of learning would most likely say: -
CORRECT ANSWER- ✔✔Can I see that example again?
Verbal pacing is when you adapt your counseling style do the clients learning style. True or
false - CORRECT ANSWER- ✔✔True
, Maslow's hierarchy of needs: - CORRECT ANSWER- ✔✔Can help you to understand your
clients monetary value system.
Counseling sessions can be held in what format? - CORRECT ANSWER- ✔✔All of the
above. These include Internet counseling, telephone counseling, in person counseling.
Open ended questions: - CORRECT ANSWER- ✔✔Are a good way to get your client
involved in a conversation.
The process of problems solving: - CORRECT 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.
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 -
CORRECT ANSWER- ✔✔True
It is possible to have a working budget without including fixed monthly expenses. True or
false - CORRECT ANSWER- ✔✔False
Net worth is: - CORRECT ANSWER- ✔✔The total of one's financial assets minus total
financial liabilities.
It would be wise to suggest to clients who receive your tax refunds that the adjuster is
holdings to incorporate that chunk of money back into their paychecks. True or false -
CORRECT ANSWER- ✔✔True
Having a good credit rating is important: - CORRECT ANSWER- ✔✔All of the above.
These include in getting a reasonable car insurance rate, when applying for a job, and when
renting an apartment.
Someone who is a victim of identity theft should: - CORRECT ANSWER- ✔✔Close any
accounts that have been tampered with.
