Question $14$

What critical element is lacking in Financial Counseling today?

New theories

Adequate training

Cient demand

Evidence based research

Question $15$

Gather client information, assist in creating an action plan, and educate the client about consumer protection are just a few examples of what the AFCPE$$ calls what

Standards of Practice

Counseling Steps

Core Competencies

Client Deliverables

Question $16$

Which of the following list debts from lowest priority to highest priority? $($Assume that you are not currently more than a month behind on any of these debts$).$

Credit Card Debt, Real Estate Taxes, Utility Bills

Automobile Loan, Medical Debt, IRS Taxes

Court Judgement, Private Student Loans, Home Mortgage

Loan from a family member, Child Support, Federal Student Loans

Question $17$

Why should you ignore a debt collectors$lo{n}^{mm}$ threat to damage your credit report?

You can freeze your credit report to protect it from disparaging information

Collectors do not have the ability to damage your credit score

By the time they have contacted you your credit score is already damaged

You should not ignore them, and instead make their bill your top priority