Debt counseling Study guides, Class notes & Summaries
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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. Wh...
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FICEP EXAM 2024 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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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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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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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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CRCR EXAM QUESTIONS AND ANSWERS
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Which of the following statements are true of HFMA's Patient Financial Communications Best Practices? - Answer- The best practices were developed specifically to help patients understand the cost of services, their individual insurance benefits, and their responsibility for balances after insurance, if any. 
 
The patient experience includes all of the following except: - Answer- Recognition that revenue cycle processes must be patient-centric and efficient. This is especially true in the areas...
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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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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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Certified Healthcare Access Associate CHAA 2023 Exam guide with complete solution
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1.	A financial counselor/Financial Assistance: In accordance with Section 501(r) regulations through the Affordable Care Act, a hospital must establish a written financial assistance policy and make it available to patients. 
2.	Batch Processing: Execution of a series of jobs in a computer program without manual intervention; it is used to help maximize the use of computer resources and stabilize response time by performing system-intensive work during hours when users are less likely to require...
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HUD Housing Counseling Exam 2023/2024
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HUD Housing Counseling Exam 2023/2024 
 
Back-end ratio 
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 gross monthly income equals 52%. The client's combined current housing payment and car payment divided by gross monthly inco...
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