NACCC Practice Questions With Correct
Answers
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
| | | | | | |
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
| | | | |
3) The most important factor banks consider when establishing a credit limit is:
| | | | | | | | | | | |
a) competition from other lenders
| | | |
b) the Truth in Lending Act
| | | | |
c) the consumer's credit rating
| | | |
d) the nuisance fees - CORRECT ANSWER✔✔-c) the consumer's credit rating
| | | | | | | | | |
,4) Counselors can best facilitate the client's problem solving when they:
| | | | | | | | | |
a) are specific about the problem-solving steps that were skipped
| | | | | | | | |
b) understand where the client is in the process
| | | | | | | |
c) get the client to admit to mistakes
| | | | | | |
d) can create acceptable goals for the client - CORRECT ANSWER✔✔-b)
| | | | | | | | | | |
understand where the client is in the process
| | | | | | |
5) When conducting a counseling interview over the phone, using non-verbal
| | | | | | | | | | |
feedback such as nodding and hand gestures helps the counselor:
| | | | | | | | |
a) make calculations
| |
b) control angry clients
| | |
c) with the flow of vocal delivery
| | | | | |
d) speak more clearly - CORRECT ANSWER✔✔-c) with the flow of vocal delivery
| | | | | | | | | | | |
6) Nathan, who has been a credit counselor for three years, is very good at
| | | | | | | | | | | | | | |
convincing clients to adopt a particular debt management program. Recently, a
| | | | | | | | | | |
client told him "You seem to communicate in a way that makes me feel
| | | | | | | | | | | | | |
comfortable, in charge, and confident of my decision. I don't feel pressured."
| | | | | | | | | | | |
What type of communication is Nathan using when he does this?
| | | | | | | | | |
a) expressive
| |
b) confirming
| |
c) non-verbal
| |
d) persuasive - CORRECT ANSWER✔✔-d) persuasive
| | | | |
, 7) Which law was passed to protect debtors from harassment and unreasonable
| | | | | | | | | | | |
treatment?
a) The Equal Credit Opportunity Act
| | | | |
b) The Fair Debt Collection Practices Act
| | | | | |
c) The Truth In Lending Act
| | | | |
d) The Fair Credit Reporting Act - CORRECT ANSWER✔✔-b) The Fair Debt
| | | | | | | | | | | |
Collection Practices Act | |
8) The first question a consumer should ask when prioritizing a payment schedule
| | | | | | | | | | | |
is:
|
a) Which debts are secured or unsecured?
| | | | | |
b) Can I move debt easily to another credit card?
| | | | | | | | |
c) Can I keep my credit cards if I file bankruptcy?
| | | | | | | | | |
d) Which debts can be ignored with little trouble? - CORRECT ANSWER✔✔-a)
| | | | | | | | | | | |
Which debts are secured or unsecured?
| | | | |
9) One characteristic of predatory lending is:
| | | | | |
a) frequent refinancing
| | |
b) charging fees slightly below competitors
| | | | |
c) reporting payment history to the credit bureau
| | | | | | |
d) educating customers about the amount of debt they can carry - CORRECT
| | | | | | | | | | | | |
ANSWER✔✔-a) frequent refinancing | |
10) A budget is a financial statement of estimated ________________ and
| | | | | | | | | | |
_______________ for an individual or family over a selected period of time. | | | | | | | | | | |
Answers
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
| | | | | | |
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
| | | | |
3) The most important factor banks consider when establishing a credit limit is:
| | | | | | | | | | | |
a) competition from other lenders
| | | |
b) the Truth in Lending Act
| | | | |
c) the consumer's credit rating
| | | |
d) the nuisance fees - CORRECT ANSWER✔✔-c) the consumer's credit rating
| | | | | | | | | |
,4) Counselors can best facilitate the client's problem solving when they:
| | | | | | | | | |
a) are specific about the problem-solving steps that were skipped
| | | | | | | | |
b) understand where the client is in the process
| | | | | | | |
c) get the client to admit to mistakes
| | | | | | |
d) can create acceptable goals for the client - CORRECT ANSWER✔✔-b)
| | | | | | | | | | |
understand where the client is in the process
| | | | | | |
5) When conducting a counseling interview over the phone, using non-verbal
| | | | | | | | | | |
feedback such as nodding and hand gestures helps the counselor:
| | | | | | | | |
a) make calculations
| |
b) control angry clients
| | |
c) with the flow of vocal delivery
| | | | | |
d) speak more clearly - CORRECT ANSWER✔✔-c) with the flow of vocal delivery
| | | | | | | | | | | |
6) Nathan, who has been a credit counselor for three years, is very good at
| | | | | | | | | | | | | | |
convincing clients to adopt a particular debt management program. Recently, a
| | | | | | | | | | |
client told him "You seem to communicate in a way that makes me feel
| | | | | | | | | | | | | |
comfortable, in charge, and confident of my decision. I don't feel pressured."
| | | | | | | | | | | |
What type of communication is Nathan using when he does this?
| | | | | | | | | |
a) expressive
| |
b) confirming
| |
c) non-verbal
| |
d) persuasive - CORRECT ANSWER✔✔-d) persuasive
| | | | |
, 7) Which law was passed to protect debtors from harassment and unreasonable
| | | | | | | | | | | |
treatment?
a) The Equal Credit Opportunity Act
| | | | |
b) The Fair Debt Collection Practices Act
| | | | | |
c) The Truth In Lending Act
| | | | |
d) The Fair Credit Reporting Act - CORRECT ANSWER✔✔-b) The Fair Debt
| | | | | | | | | | | |
Collection Practices Act | |
8) The first question a consumer should ask when prioritizing a payment schedule
| | | | | | | | | | | |
is:
|
a) Which debts are secured or unsecured?
| | | | | |
b) Can I move debt easily to another credit card?
| | | | | | | | |
c) Can I keep my credit cards if I file bankruptcy?
| | | | | | | | | |
d) Which debts can be ignored with little trouble? - CORRECT ANSWER✔✔-a)
| | | | | | | | | | | |
Which debts are secured or unsecured?
| | | | |
9) One characteristic of predatory lending is:
| | | | | |
a) frequent refinancing
| | |
b) charging fees slightly below competitors
| | | | |
c) reporting payment history to the credit bureau
| | | | | | |
d) educating customers about the amount of debt they can carry - CORRECT
| | | | | | | | | | | | |
ANSWER✔✔-a) frequent refinancing | |
10) A budget is a financial statement of estimated ________________ and
| | | | | | | | | | |
_______________ for an individual or family over a selected period of time. | | | | | | | | | | |
