1
CERTIFIED CONSUMER DEBT SPECIALIST
PRACTICE TEST QUESTIONS & ANSWERS GRADED
TO PASS!!
One of the objectives of the CCDS certification is to: - (answers)To learn to negotiate with
creditors
Why is trust important to the client/counselor relationship? - (answers)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? - (answers)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 - (answers)False
In helping your clients feel comfortable in the client/counselor relationship, remember to: -
(answers)Not share their personal information with other clients.
Obstacles that may prevent the CCDS from being effective in a counseling session are: -
(answers)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 - (answers)True
Someone who uses predominately visual style of learning would most likely say: - (answers)Can
I see that example again?
, 2
Verbal pacing is when you adapt your counseling style do the clients learning style. True or false
- (answers)True
Maslow's hierarchy of needs: - (answers)Can help you to understand your clients monetary
value system.
Counseling sessions can be held in what format? - (answers)All of the above. These include
Internet counseling, telephone counseling, in person counseling.
Open ended questions: - (answers)Are a good way to get your client involved in a conversation.
The process of problems solving: - (answers)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 -
(answers)True
It is possible to have a working budget without including fixed monthly expenses. True or false -
(answers)False
Net worth is: - (answers)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 - (answers)True
Having a good credit rating is important: - (answers)All of the above. These include in getting a
reasonable car insurance rate, when applying for a job, and when renting an apartment.
CERTIFIED CONSUMER DEBT SPECIALIST
PRACTICE TEST QUESTIONS & ANSWERS GRADED
TO PASS!!
One of the objectives of the CCDS certification is to: - (answers)To learn to negotiate with
creditors
Why is trust important to the client/counselor relationship? - (answers)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? - (answers)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 - (answers)False
In helping your clients feel comfortable in the client/counselor relationship, remember to: -
(answers)Not share their personal information with other clients.
Obstacles that may prevent the CCDS from being effective in a counseling session are: -
(answers)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 - (answers)True
Someone who uses predominately visual style of learning would most likely say: - (answers)Can
I see that example again?
, 2
Verbal pacing is when you adapt your counseling style do the clients learning style. True or false
- (answers)True
Maslow's hierarchy of needs: - (answers)Can help you to understand your clients monetary
value system.
Counseling sessions can be held in what format? - (answers)All of the above. These include
Internet counseling, telephone counseling, in person counseling.
Open ended questions: - (answers)Are a good way to get your client involved in a conversation.
The process of problems solving: - (answers)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 -
(answers)True
It is possible to have a working budget without including fixed monthly expenses. True or false -
(answers)False
Net worth is: - (answers)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 - (answers)True
Having a good credit rating is important: - (answers)All of the above. These include in getting a
reasonable car insurance rate, when applying for a job, and when renting an apartment.
