NACCC 90 Practice Questions With Complete Solutions
1) When a counselor is insensitive to cultural differences, he/she
is exhibiting:
a) congruence
b) cultural disclosure
c) cultural encapsulation
d) multicultural enhancement Correct Answer c) cultural
encapsulation
10) A budget is a financial statement of estimated
________________ and _______________ for an individual or
family over a selected period of time.
a) debt; retirement
b) income; expenses
c) mortgage; loans
d) earnings; bonuses Correct Answer b) income; expenses
11) Which kind of debt may NOT be discharged in a declaration
of bankruptcy?
a) unsecured debt older than 90 days
b) subsidized student loans
c) installment credit
d) all of the above Correct Answer b) subsidized student loans
12) These types of goals work to ensure that the client
experiences counseling as positive and affirming.
a) preliminary goals
b) process goals
c) outcome goals
d) sustained goals Correct Answer b) process goals
,13) How words are spoken, the client's tone of voice, and
emotional responses like laughing or crying are:
a) belonging cues
b) clarifying responses
c) reflective listening techniques
d) verbal behaviors Correct Answer d) verbal behaviors
14) Which of the following helps to establish trust with the
client?
a) conveying positive regard towards the client
b) being forceful and aggressive
c) telling the client you are an expert
d) telling the client you know what they are going through
Correct Answer a) conveying positive regard towards the client
15) The following are all ways to improve client/counselor
communication EXCEPT:
a) Using "you should" messages
b) being expressive
c) showing empathy
d) being assertive Correct Answer a) Using "you should"
messages
16) Which type of spender is easily persuaded to buy items they
really may not want or need?
a) The Passive Buyer
b) The Fanatical Shopper
c) The Special Interest Spender
d) The Hot Potato Spender Correct Answer a) The Passive
Buyer
, 17) Which one of the following stages is NOT included in the
problem solving process used by counselors?
a) Identifying where the client is
b) Identifying where the client wants to go
c) Determining how the client will reach his/her goals
d) Determining who is to blame Correct Answer d)
Determining who is to blame
18) An insolvency event includes all of the following EXCEPT:
a) Loss of income
b) Frivolous spending
c) Medical emergency
d) Divorce Correct Answer b) Frivolous spending
19) When an account remains past due for 90 days or more
(bucket 3-6), a creditor may:
a) re-cast the account
b) refer the account to a collection agency
c) declare a deficiency balance
d) serve the consumer a summons Correct Answer b) refer the
account to a collection agency
2) According to The Fair Credit Billing Act, a consumer has
_____ days after receipt of a bill to dispute it in letter form.
a) 30
b) 60
c) 90
d) 120 Correct Answer b) 60
1) When a counselor is insensitive to cultural differences, he/she
is exhibiting:
a) congruence
b) cultural disclosure
c) cultural encapsulation
d) multicultural enhancement Correct Answer c) cultural
encapsulation
10) A budget is a financial statement of estimated
________________ and _______________ for an individual or
family over a selected period of time.
a) debt; retirement
b) income; expenses
c) mortgage; loans
d) earnings; bonuses Correct Answer b) income; expenses
11) Which kind of debt may NOT be discharged in a declaration
of bankruptcy?
a) unsecured debt older than 90 days
b) subsidized student loans
c) installment credit
d) all of the above Correct Answer b) subsidized student loans
12) These types of goals work to ensure that the client
experiences counseling as positive and affirming.
a) preliminary goals
b) process goals
c) outcome goals
d) sustained goals Correct Answer b) process goals
,13) How words are spoken, the client's tone of voice, and
emotional responses like laughing or crying are:
a) belonging cues
b) clarifying responses
c) reflective listening techniques
d) verbal behaviors Correct Answer d) verbal behaviors
14) Which of the following helps to establish trust with the
client?
a) conveying positive regard towards the client
b) being forceful and aggressive
c) telling the client you are an expert
d) telling the client you know what they are going through
Correct Answer a) conveying positive regard towards the client
15) The following are all ways to improve client/counselor
communication EXCEPT:
a) Using "you should" messages
b) being expressive
c) showing empathy
d) being assertive Correct Answer a) Using "you should"
messages
16) Which type of spender is easily persuaded to buy items they
really may not want or need?
a) The Passive Buyer
b) The Fanatical Shopper
c) The Special Interest Spender
d) The Hot Potato Spender Correct Answer a) The Passive
Buyer
, 17) Which one of the following stages is NOT included in the
problem solving process used by counselors?
a) Identifying where the client is
b) Identifying where the client wants to go
c) Determining how the client will reach his/her goals
d) Determining who is to blame Correct Answer d)
Determining who is to blame
18) An insolvency event includes all of the following EXCEPT:
a) Loss of income
b) Frivolous spending
c) Medical emergency
d) Divorce Correct Answer b) Frivolous spending
19) When an account remains past due for 90 days or more
(bucket 3-6), a creditor may:
a) re-cast the account
b) refer the account to a collection agency
c) declare a deficiency balance
d) serve the consumer a summons Correct Answer b) refer the
account to a collection agency
2) According to The Fair Credit Billing Act, a consumer has
_____ days after receipt of a bill to dispute it in letter form.
a) 30
b) 60
c) 90
d) 120 Correct Answer b) 60
