CERTIFIED CONSUMER DEBT SPECIALIST
PRACTICE TEST QUESTIONS 2025/26 WITH
100% CORRECT ANSWERS.
1 of 50
Definition
Both A and B. These include the means test which determines
whether a consumer can file Chapter 7 or Chapter 13 bankruptcy and
credit counseling and debtors education or mandated for those
filing bankruptcy.
Give this one a try later!
In helping your clients feel Obstacles that may prevent
comfortable in the client/counselor the CCDS from being effective
relationship, remember to: in a counseling session are:
, Main provisions under the
bankruptcy abusive
prevention and consumer Under the fair credit billing act:
protection act
(BAPCPA) are:
Don't know?
2 of 50
Term
The fair credit reporting act was enacted to:
Give this one a try later!
All of the above. The above includes, a timely resolution of billing disputes,
maximum interest rates to be stated regarding variable loan contracts secured
by one's home (i.e. Adjustable rate mortgages), and once an adjustment rate
mortgage has been obtained, the consumer must get a copy of the consumer
handbook on adjustable rate mortgage is, or a suitable substitute.
The contents of an apartment that one has rented.
Both A and B. These include, ensure the accuracy, fairness and privacy of
information held by the credit bureaus and ensure that consumers know
what information is being distributed about them.
None of the above. The above include call a debtors home before 8 AM,
call and get us home after 9 PM and to contact the debtor and his or her
appointment even if the employer disapproves.
, Don't know?
3 of 50
Term
Provisions of the fair and accurate credit transactions act are:
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Both a and B. Assumes there are
obstacles preventing the client form Both A and B. The client needs to
moving on and addresses the feel comfortable speaking with The
importance of removing barriers to CCDS and money is usually a
decision-making. difficult topic to discuss.
Consumers are entitled to one
free credit report per 12 All of the above. These include
months from the three Internet counseling, telephone
major counseling, in person counseling.
credit reporting agency's.
Don't know?
4 of 50
Term
Renters insurance is a policy that covers:
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, All of the above. The above includes, a timely resolution of billing disputes,
maximum interest rates to be stated regarding variable loan contracts secured
by one's home (i.e. Adjustable rate mortgages), and once an adjustment rate
mortgage has been obtained, the consumer must get a copy of the consumer
handbook on adjustable rate mortgage is, or a suitable substitute.
Telephone solicitation
None of the above. The above include call a debtors home before 8 AM,
call and get us home after 9 PM and to contact the debtor and his or her
appointment even if the employer disapproves.
The contents of an apartment that one has rented.
Don't know?
5 of 50
Term
It is possible to have a working budget without including fixed
monthly expenses. True or false
Give this one a try later!
Both B and C. Being preoccupied and being distracted by words and phrases.
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.
PRACTICE TEST QUESTIONS 2025/26 WITH
100% CORRECT ANSWERS.
1 of 50
Definition
Both A and B. These include the means test which determines
whether a consumer can file Chapter 7 or Chapter 13 bankruptcy and
credit counseling and debtors education or mandated for those
filing bankruptcy.
Give this one a try later!
In helping your clients feel Obstacles that may prevent
comfortable in the client/counselor the CCDS from being effective
relationship, remember to: in a counseling session are:
, Main provisions under the
bankruptcy abusive
prevention and consumer Under the fair credit billing act:
protection act
(BAPCPA) are:
Don't know?
2 of 50
Term
The fair credit reporting act was enacted to:
Give this one a try later!
All of the above. The above includes, a timely resolution of billing disputes,
maximum interest rates to be stated regarding variable loan contracts secured
by one's home (i.e. Adjustable rate mortgages), and once an adjustment rate
mortgage has been obtained, the consumer must get a copy of the consumer
handbook on adjustable rate mortgage is, or a suitable substitute.
The contents of an apartment that one has rented.
Both A and B. These include, ensure the accuracy, fairness and privacy of
information held by the credit bureaus and ensure that consumers know
what information is being distributed about them.
None of the above. The above include call a debtors home before 8 AM,
call and get us home after 9 PM and to contact the debtor and his or her
appointment even if the employer disapproves.
, Don't know?
3 of 50
Term
Provisions of the fair and accurate credit transactions act are:
Give this one a try later!
Both a and B. Assumes there are
obstacles preventing the client form Both A and B. The client needs to
moving on and addresses the feel comfortable speaking with The
importance of removing barriers to CCDS and money is usually a
decision-making. difficult topic to discuss.
Consumers are entitled to one
free credit report per 12 All of the above. These include
months from the three Internet counseling, telephone
major counseling, in person counseling.
credit reporting agency's.
Don't know?
4 of 50
Term
Renters insurance is a policy that covers:
Give this one a try later!
, All of the above. The above includes, a timely resolution of billing disputes,
maximum interest rates to be stated regarding variable loan contracts secured
by one's home (i.e. Adjustable rate mortgages), and once an adjustment rate
mortgage has been obtained, the consumer must get a copy of the consumer
handbook on adjustable rate mortgage is, or a suitable substitute.
Telephone solicitation
None of the above. The above include call a debtors home before 8 AM,
call and get us home after 9 PM and to contact the debtor and his or her
appointment even if the employer disapproves.
The contents of an apartment that one has rented.
Don't know?
5 of 50
Term
It is possible to have a working budget without including fixed
monthly expenses. True or false
Give this one a try later!
Both B and C. Being preoccupied and being distracted by words and phrases.
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.
