Practice Test GeeksADRA - Accredited Debt Relief Agent Practice Test
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Client Relationship Management Flashcards

7 cards from real ADRA practice questions. Tap to flip, then mark Knew It or Still Learning — missed cards come back until you master them.

Read the first 7 Client Relationship Management flashcards as text

  1. A client receives a 1099-C after a settlement and is confused. What is the most appropriate support?

    Answer: Explain what the form represents and recommend the client consult a tax professional

    Agents can explain the form generally but should refer tax-specific advice to qualified professionals.

  2. Under the TSR, which item must be disclosed before a client enrolls?

    Answer: That the client's dedicated account may be held at an insured financial institution, and that the client owns the funds and can withdraw them

    The TSR requires dedicated account disclosures, including client ownership of funds and the right to withdraw.

  3. A client missed two deposits in a row. What is the best proactive step?

    Answer: Contact the client, find the cause, and work out a revised plan if needed

    Early outreach after missed deposits helps prevent program failure and shows client care.

  4. Which statement correctly describes how creditors may treat accounts in a debt settlement program?

    Answer: Creditors may continue adding interest and fees, which can increase balances

    Balances can grow from interest and fees while clients save, which is a required risk disclosure.

  5. A client who is elderly and appears confused about the program asks to enroll. What should the agent do?

    Answer: Slow down, check understanding, and suggest involving a trusted, authorized person if appropriate

    Vulnerable clients need extra care so their consent is informed and voluntary.

  6. What is the main purpose of a welcome call after enrollment?

    Answer: To confirm the client understands the program, deposit schedule, and what to expect next

    A welcome call reinforces understanding and sets expectations early, which improves retention.

  7. A client asks the agent to settle a debt by telling the creditor the client has lost their job, though they have not. What should the agent do?

    Answer: Refuse to misrepresent facts and explain that negotiations must be honest

    Misrepresenting a client's situation is unethical and may be fraudulent, so agents must negotiate honestly.

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Sources & references

Exam facts on this page (fees, format, dates, passing scores) are checked against these official sources; the date is our last check. Editorial policy

  1. fid.nv.gov — Eligibility · verified Oct 2026
  2. iapda.org — Passing score, retake policy, fees, renewal · verified Oct 2026