Debt counseling - Study guides, Class notes & Summaries
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UPDATED 2024/2025 FICEP EXAM QUESTIONS WITH VERIFIED SOLUTIONS ALREADY PASSED
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Which cycle describes members who are just surviving and living paycheck to paycheck? - CORRECT ANSWER Earn/Spend/Earn/Spend 
Financial counselors who don't use what they know about hemispheric thinking may fall into the trap of: - CORRECT ANSWER Presenting information to a member in a manner that might not be the best way to communicate 
Using a hard approach, rather than a soft approach, with members: - CORRECT ANSWER Communicates in an orderly, specific, and straight-f...
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FiCEP Exam Questions and Correct Answers| Rated A+
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Which cycle describes members who are just surviving and living paycheck to paycheck? - Earn/Spend/Earn/Spend 
 
Financial counselors who don't use what they know about hemispheric thinking may fall into the trap of: - Presenting information to a member in a manner that might not be the best way to communicate 
 
Using a hard approach, rather than a soft approach, with members: - Communicates in an orderly, specific, and straight-forward way 
 
The Johari Window describes four zones. W...
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Certified consumer debt specialist practice test questions (with error-free answers)
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One of the objectives of the CCDS certification is to: correct answers To learn to negotiate with creditors 
 
Why is trust important to the client/counselor relationship? correct 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? correct answers A comfortable couch. For the session to be successful the...
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HUD Housing Counseling Exam 2023-2024 Questions and Answers (Graded A)
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HUD Housing Counseling Exam Questions and Answers (Graded A) 
 
 
HUD Housing Counseling Exam Questions and Answers (Graded A) 
 
 
HUD Housing Counseling Exam Questions and Answers (Graded A) 
 
 
 
Rental Obstacle + Solutions: Low Income - ANSWER--Some Renters reject people whose Rent would be more than 30% of GMI 
-Solutions 
-Apply for Housing Assistance 
-Expand housing search areas 
-Get a roommate 
-Move in w/family or friends 
 
Strategies for decreasing expenses and debt - ANSWER-Pr...
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FDCPA Test Study Guide| Questions and Verified Answers 100% Correct| Grade A (2024/ 2025)
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FDCPA Test Study Guide| Questions and Verified Answers 100% Correct| Grade A (2024/ 2025) 
 
Q: 803. Definitions 
15 USC 1692a 
 
 
 
Q: 803. Bureau 
 
 
Answer: 
term means the Bureau of Consumer 
Financial Protection. 
 
 
 
Q: communication 
 
 
Answer: 
term means the conveying of information regarding a debt directly or indirectly to any person through any medium 
 
 
 
Q: consumer 
 
 
Answer: 
term means any natural person obli- gated or allegedly obligated to pay any debt 
 
 
 
Q: credi...
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HECM Practice Exam 2023 Questions and Answers
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The HECM Saver was introduced as an option to lower the upfront cost of a HECM by reducing the upfront mortgage insurance premium to: 
a. 0. 
b. 0.01% of the Maximum Claim Amount. 
c. 1% of the Maximum Claim Amount. 
d. 1.25% of the Maximum Claim Amount. - ANSWER-b 
 
If repairs are required but can be completed after closing, the lender will create a repair set-aside in the amount of: 
a. 15% of the maximum claim amount. 
b. 100% of the actual cost of repairs. 
c. 100% of the estimated cost of...
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HUD Housing Counseling Exam 2023-2024 with Complete Solutions
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HUD Housing Counseling Exam with Complete SolutionsHUD Housing Counseling Exam with Complete SolutionsHUD Housing Counseling Exam with Complete Solutions 
Back-end ratio - ANSWER-The back-end ratio (or debt-to-income ratio) compares total debt to gross monthly income. The client's only debt is a $435 lease payment, so the $950 mortgage payment brings his total monthly debt to $1,385. He earns $50,000 per year, which equals $4,166.67 per month. The client's total current expenses divided by ...
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CUNA Financial Counseling Exam with Complete Solutions
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Cycle 1 - ANSWER-Earn/Spend/Earn/Spend 
 
Cycle 2 - ANSWER-Earn/Spend/Borrow/Spend 
 
Cycle 3 - ANSWER-Earn/Spend/Save 
 
Cycle 4 - ANSWER-Earn/Save/Spend 
 
Why is it important for counselors to have an understanding of Hemispheric thinking - ANSWER-So that they are aware that everyone learns and processes information differently and they can present information in a variety of different ways for anyone to understand 
 
Hard Approach - ANSWER-Hard approach communicates in ways that are orderly,...
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FICEP Exam Review Questions and answers.
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spending cycles? 
1. Earn/Spend/Earn/Spend 
2. Earn/Spend/Borrow/Spend 
3. Earn/Spend/Save 
4. Earn/Save/Spend 
 
 
 
What is the best spending cycle? 
4. Cycle: Earn/Save/Spend 
 
 
 
Explain Cycle 1: Earn/Spend/Earn/Spend 
Paycheck to Paycheck members 
 
 
 
Explain Cycle 2: Earn/Spend/Borrow/Spend 
they confuse wants with needs 
 
 
 
Explain Cycle 3: Earn/Spend/Save 
There is not money left for saving because "something always comes up" 
 
 
 
Explain: Cycle 4: Earn/Save/Spend 
Paying your...
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HUD Housing Counseling Exam accurate 100%
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HUD Housing Counseling Exam accurRental Obstacle + Solutions: Low Income - ANSWER -Some Renters reject people whose Rent would be more than 30% of GMI 
-Solutions 
-Apply for Housing Assistance 
-Expand housing search areas 
-Get a roommate 
-Move in w/family or friends 
 
Strategies for decreasing expenses and debt - ANSWER Prioritize "needs over "wants" 
-reduce or eliminate "wants" 
-cancel or downgrade services(e.g. cable, telephone) 
-limit miscellaneous spending 
- stick to a shoppin...
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