Housing Counselor Certification (HUD) Practice Exam

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Prepare for the HUD Housing Counselor Certification Exam with comprehensive flashcards and multiple choice questions that offer hints and detailed explanations. Get ready to excel!

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A client wants to avoid a late payment after using half of their rent for an unexpected car expense. Which resource should a housing counselor recommend first?

Local credit union
Contact United Way 211
Government assistance programs
Friends or family for loans

The correct answer is: Contact United Way 211

The best resource for the client in this situation is to contact United Way 211. This service connects individuals with a variety of community resources and support systems that can assist with financial emergencies, including rental assistance programs, food banks, and other local services designed to assist individuals facing unexpected financial hardships. Reaching out to United Way 211 allows the client to access immediate help and potentially receive assistance with their rent payment before it becomes overdue. This can be crucial for preventing late fees or other negative consequences associated with missed rent, providing the client with timely support tailored to their urgent needs. While the other options may also offer assistance in different contexts, they may not provide the immediate, broad range of support the client needs for housing-related financial issues. For example, while a local credit union may provide loans, it might not specifically address rental payment assistance. Government assistance programs could take time to navigate and may not offer immediate help. Turning to friends or family for loans is often more personal and may not be a viable or preferred option for everyone, particularly in urgent situations.