es gov Section 1 Question 1 of 15. Which of the following is NOT a necessary expense? Food and clothing. College tuition. Housing. Vehicle maintenance. Mark for follow up Question 2 of 15 Which of the following affects your client's equity in assets? Loans against the asset. Appraisal. How long the asset has been owned. Both 1 and 2 Mark for follow up Question 3 of 15. The difference in the lump-sum and periodic payment plan calculation is: assels nut eputy auspozablncom The total assets. The monthly disposable income. The future income multiplier. Your client's income. Mark for follow up Question 4 of 15. One of the prerequisites for obtaining a collection alternative from the IRS is: Filing compliance Payment complianc An unpaid balance for no more than three years. Both 1 and 2. Mark for follow up