Practice Test GeeksADRA - Accredited Debt Relief Agent Practice Test
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Strategic Planning & Analysis 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 Strategic Planning & Analysis flashcards as text

  1. A debt relief company tracks that 40% of enrolled clients drop out within the first year. What strategic action best addresses this?

    Answer: Strengthen intake suitability screening and early-stage client communication

    Better suitability screening and early engagement address root causes of program attrition.

  2. Which key performance indicator best reflects the value delivered to clients in a settlement program?

    Answer: Average savings achieved net of fees as a percentage of enrolled debt

    Net savings after fees measure the actual financial benefit clients receive from the program.

  3. When the TSR allows a fee calculated as a percentage, which basis may be used?

    Answer: A fee proportional to the enrolled debt amount, or a percentage of the amount saved, applied consistently

    TSR fees must bear the same proportional relationship to the total fee as the settled debt bears to total enrolled debt, or be a percentage of savings.

  4. A client receives a settlement offer of 45% payable in a lump sum or 55% over six months. The client has 30% of the balance saved. What is the best analysis?

    Answer: Evaluate the installment option's affordability against other planned settlements before accepting

    The agent should confirm the installment plan fits the client's cash flow without jeopardizing other settlements.

  5. A SWOT analysis for a debt relief firm would classify new CFPB enforcement focus on the industry as what?

    Answer: Threat

    Increased regulatory enforcement is an external factor that can negatively affect the firm, making it a threat.

  6. Which practice best supports compliant marketing strategy for a debt relief company?

    Answer: Making claims only when supported by actual, substantiated client outcome data

    The FTC requires that performance claims be truthful and substantiated by competent evidence.

  7. During periodic program review, a client's income has dropped and deposits are being missed. What is the most appropriate strategic step?

    Answer: Reassess the budget, adjust deposits or program length, and re-evaluate alternatives with the client

    Ongoing review lets the plan adapt to changing circumstances and keeps the client on a viable path.

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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