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| Pregunta | Respuesta |
| There are 100 questions on the ACC exam, how many do you need to get right? | 70 |
| List 3 of the requirements necessary to become ACC certified. | Education – this course, exam, 6 months experience, 2 letters of reference and adhere to the Code of Ethics |
| How much is the annual fee to maintain your accreditation | $35 |
| How many CEU’s are required every 2 years to maintain your certification? | 15 |
| As an ACC designee you will only be able to use your certification while you are employed by what kind of agencies? | Non-profit credit counseling agencies, collection departments or debt assistance programs |
| Under what circumstance would it be ok to release confidential client information? | In best interest of the client, to protect the welfare of others, or if required by law |
| According to the Standards of Practice, during research and evaluation, we must keep what info confidential? | Specific client info – we are able to use aggregate data (ex. Cannot say “Jane smith paid off $15,000 in debt, but you can say “overall, 70% of client successfully paid off over $10,000 in debt) |
| The AFCPE requires that which individuals adhere to the Standards of Practice and Code of ethics? | The ACC designee, students and those we supervise |
| According to the Standards of Practice, what information do we need to disclose (preferably in writing) to the clients? | Inform them of the process, the relationship and any fees associated with the counsel |
| An ACC designee must agree to adhere to the code of ethics, which describes 12 behaviors you will agree to display, describe the information pertaining to criminal behavior. | An ACC designee agrees to avoid any act or omission that violates relevant criminal law and agrees to report to the AFCPE Executive Board any felony charges that may be brought against you |
| The grievance policy is designed to protect whom? | The designee, program enrollees and the certification program, and the AFCPE |
| Who can initiate a grievance action through the grievance policy? | The designee, the consumer or the AFCPE |
| Name three of the grounds for disciplinary action, per the Grievance Policy. | Violating Code of Ethics or a criminal law, failure to respond to the review board in a timely manner or giving them false or misleading statements, unprofessional conduct |
| Per the Grievance Policy, when charged with a violation, the burden of proof lies on whom? | the complainant |
| If a designee is charged with a grievance and the determination is founded, what options do they have? | They have the right to appeal, or they can offer a settlement. |
| List each of the three kinds of counseling, and give an example of each: | Remedial – looking for a remedy (George is overwhelmed by debt and can’t seem to pay all his bills) Productive - wants to use disposable income productively. (Kent has $150 left at the end of the month and wants to save for college, where should he invest?) Preventative - wants to prevent a future issue. (Homer and Marge want to be able to help their kids when they go away to college, but can just make the bills now.) |
| In a remedial counsel, whose responsibility is it to provide the systematic means of problem resolution? | The counselor |
| What are 2 of the 3 beliefs that counseling is based on? | -The needs of the client and the predispositions of counselors directly influence the process -Clients have a better chance of achieving psychological growth if they accept responsibility for themselves -Counseling can be accomplished in many ways |
| In a counseling relationship, who controls the information? | The client |
| In a counseling relationship, who controls the counseling process – how the information is used? | The counselor |
| The two values of effective communication are humanistic, growth-producing and efficiency and Parsimony, how do these differ? | Humanistic, growth producing is maximizing a clients’ potential by showing them they are worthwhile; Efficiency and Parsimony is about saving time and money by being quick and effective. |
| Describe the term representational map | Everyone develops a unique representation of the world through their life experiences and their reactions to their experiences; it is their perception or view of the world. |
| Name one of the two ways the misunderstanding occur when developing a representational map. | -They assume their representational map is the same as reality -They assume that what is true for them must be true for others |
| One of the principles of information processing is that people develop different ways of processing information, what are the three types? (Hint: types of learners) | Auditory (through talking and listening), Visual (through watching others, seeing a film or studying a diagram), and Kinesthetic (through active participation, doing) |
| Give an example that describes the 4th principle of information processing, changing information in one processing mode changes it in another | Switching from using a credit card to purchasing using cash only or when dieting tracking all food one eats, changes how much someone eats. |
| People naturally generalize both clients and counselors. In what way do negative generalizations affect the way communication occurs? | Negatively |
| People seek information ___________ and ______________; when there is a conflict or dissonance in a belief and an action, people tend to change their belief or alter their behavior. (Fill in the blanks) | harmony and closure |
| People make the best choices based on the information that they have, what can we as financial coaches do to best help them? | Help them determine what they know, correct inaccurate information, give them additional information and provide motivation. |
| Is the majority of stored information conscious or unconscious? | Not conscious – knee jerk reaction |
| Name 2 of the elements of persuasion (weapons of influence) and an example of each. | - Reciprocation – Mailing labels - Scarcity – Available for a limited time only - Authority – Father says that investing in the local hardware store is a good idea - Credibility – Avis, we are #2, but we try harder - Comparability – Your situation could be so much worse, at least you have paid your min payments - Social proof – Ponzi scheme - Power of because – double parked, can I cut in line - Primacy and Recency – Today we will discuss the importance of a budget – Ok, now can you see how important that budget is? |
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