Certification Course Summaries

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Debt Settlement Professionals

Certified Debt Specialist CDS Table of Contents (Version 12-16)

100% Online - The material included in IAPDA certification training programs is current, complete, and presented in an easy to follow training format. Each certification training course module is supported by copies of consumer debt laws and the debt relief legislation governing the particular subject of that module. There are many articles included that will help you gain a further understanding of each topic in the training.

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  • Module 1- A Detailed History of Credit
  • The Debt Consolidation Loan option in detail
  • The Credit Counseling option in detail
  • The Bankruptcy option in detail
  • The Debt Settlement option in detail
  • Introduction to Credit.
  • What is the Credit Bureau ?
  • Types of Credit Reports.
  • Contents of Credit Reports.
  • Where Credit Reports are used.
  • The nine point credit rating scale.
  • Credit Bureau policies regarding bankruptcy.
  • The benefits of Credit Reports.
  • Myths of Credit.
  • Point Scoring system of Credit granting (FICO).
  • Vantage Scoring system
  • The Credit Reporting Act (Canada)
  • The Fair Credit Reporting Act (U.S.)
  • A detailed description and explanation of all terms used on a Credit Report.
  • Counseling the client on increasing their FICO Score*Debtor Client Counseling - Additional client education materials
  • Module 2- Credit Granting and Lending Procedures
  • Credit underwriting guidelines.
  • Income
  • Debt
  • Credit
  • Savings
  • Income to Debt Service Ratios
  • The 4 C’s of lending
  • Establishing Credit History
  • How to Build a Credit History and Establish Credit.
  • Re-establishing Credit.
  • A detailed education on FICO and Vantage credit scores
  • Explanation of Credit Bureau Pay Habits Ratings
  • A detailed education on other debt re-payment strategies - the alternatives to a Debt Settlement Program
  • Counseling the client on making a Financial Plan*Debtor Client Counseling - Additional client education materials
  • Client Budget & Review
  • Client Saving and Investment counseling
  • Module 3- A Detailed Education regarding "Debt Collection"
  • Defining the Collection Process.
  • Questions and Answers regarding Debt Collection
  • What can a client do about Bill Collectors ?
  • Fast Facts – Debt Collectors.
  • Collection / Collector Training information.
  • Priorities of the Collector
  • Typical Initial Collector Telephone Call
  • Collection tactics
  • Debt Collection Practices Acts
  • Counseling the client on dealing with Creditors and Collectors*Debtor Client Counseling - Additional client education materials
  • Module 4- A Complete and Detailed Credit Report and Credit Repair Education
  • Credit Repair (Correction)
  • What is Credit Repair
  • Inaccurate Credit Reports
  • Credit Reporting Acts
  • Steps Required to Restore Good Credit
  • Obtaining Credit Report
  • Reviewing Credit Report
  • Ranking Questionable Items on Report
  • Requesting Corrections
  • Sample Letters 1 - 5
  • Counseling the client on Credit Reports*Debtor Client Counseling - Additional client education materials
  • Module 5- Proven Debt Negotiation Techniques and Professional Secrets
  • General understanding of negotiation process.
  • Debt validation and procedures
  • Statute of Limitations - State by State
  • Creditor Lawsuits and the importance of filing an answer with the courts
  • Settlement of judgments
  • Negotiation techniques.
  • The 4 secrets of Debt Negotiation.
  • What to accomplish in each contact with the Creditor / Collector, building consensus and reaching the best possible settlement for the client.
  • Treatment of the Business Debt Arbitration case.
  • Individual Voluntary Arrangement (IVA) U.K. Debt Relief option explained.
  • Module 6- Ethical Conduct- A thorough discussion and education of Ethical Business Practices for Debt Settlement Professionals.
  • 6 Steps for Ethical Leadership
  • Ethical Best Practices
  • Putting Ethics Before Business
  • Complete review and study of the IAPDA Code of Ethics
  • Module 7- Debtor Client Debt & Credit Counseling Module - Additional client education materials
  • Financial Analysis of client's current financial situation - Suggested forms included
  • Developing your client's monthly debt settlement plan.
  • Debtor Client counseling and education on financial basics regarding debt and credit.
  • Module 7- Debtor Client Debt & Credit Counseling Module - Additional client education materials
  • U.S. Consumer Debt Laws
  • Bankruptcy Abuse Prevention and Consumer Protection Act of 2005
  • Fair Debt Collection Practices Act
  • Fair Credit Reporting Act
  • Fair and Accurate Credit Transactions Act
  • Equal Credit Opportunity Act
  • Fair Credit Billing Act
  • Truth in Lending Act
  • Service Members Civil Relief Act
  • Credit Repair Organizations Act
  • Telephone Consumer Protection Act
  • Canadian Consumer Debt Laws
  • Credit Reporting Act
  • Overview of Bankruptcy
  • Bankruptcy FAQ's
  • Harmonized List of Prohibited Collection Practices
  • IAPDA Canadian Consumer Law Handbook with complete contact information to Federal & Provincial bureaus and governing offices
  • Canadian Office of Consumer Affairs - Link to updated consumer information
  • Ontario's proposed debt settlement legislation - Announced January 4, 2013
  • UK Consumer Debt Laws
  • Consumer Credit Act 2006
  • Consumer Protection from Unfair Trading Regulations 2008
  • The Consumer Protection (Distance Selling) Regulations 2000
  • The Consumer Protection (Distance Selling)(Amendment) Regulations 2005
  • Financial Services and Markets Act 2000
  • The Unfair Terms in Consumer Contracts (Amendment) and Water Act 2003 (Transitional Provision) Regulations 2006
  • Guide to Bankruptcy U.K.
  • Module 9- Member Resources Area - Industry & Legistlative information, News & Articles (updated regularly)
  • CFPB Final Rule governing persons providing consumer debt relief services - (effective August 2, 2013)
  • CFPB Supervisory and Examinations manual - Unfair, Deceptive or Abusive Acts and Practices (effective October 1, 2012)
  • FTC Telemarketing Sales Rule Amendment U.S. (effective October 27, 2010)
  • Course Summary - A thorough review and summary of the course materials.
  • Typical Case Studies - A study of a actual cases from start to completion.
  • Executive Level Training Materials (included at no additional cost)
  • Module 10 - Marketing & Expanding your business
  • Getting Started
  • Source of Clients:
  • Advertising, including sample ads.
  • Automobile Dealers
  • Public Court Records
  • Credit Grantors
  • Direct Mail campaigns
  • Purchasing Pre-Qualified Leads
  • Referrals
  • Cases to take on
  • Example Fee Structures
  • Example Scripts for Client Calls - to enhance full understanding of the course materials.
  • Suggested materials for communication with clients and creditors/collectors designed to launch you directly into negotiations with the creditors/collectors for the settlement of your actual client case accounts.
  • Goal Setting - We provide a very detailed Goal Setting program for our members use, if they so desire. The program is designed to significantly increase individual business success.
  • Commonly used contracts, forms and letters Provided in both printable and editable formats.
  • Important Acts & Rules affecting Debt Settlement Service Providers
  • Uniform Debt Management Services Act (UDMSA)
  • The FTC Act (Section 5)
  • FTC Telemarketing Sales Rule Amendment (effective October 27, 2010)
  • FTC Telemarketing Sales Rule Amendment - Sales Compliance Overview
  • Legal compliance and industry updates, articles & news
*New - Now also included - Consumer Credit Counseling & Debt Management Plans

Know all consumer debt relief options and thoroughly understand Credit Counseling & Debt Management programs.

Consumer Credit Counseling & Debt Management Plans training consists of two (2) comprehensive training modules.

  • Module 11 - Educating Your Client in Personal Finance
  • Understanding Personal Financial Knowledge
  • Identifying Debt Warnings
  • Budgeting, Money & Cash Flow Management
  • Using Credit and Credit Cards
  • Borrowing Money (loans)
  • Risk Management and Insurance Issues
  • Life Insurance Considerations
  • Understanding Investing in Stocks, Bonds and Mutual Funds
  • An Education in Retirement Planning
  • An Education in Estate Planning
  • Module 12 - Educating Your Client through Credit Counseling and the Debt Management Process
  • The Communication Process and Counseling
  • Understand and Using Listening Skills
  • Understand and Using Counseling Skills
  • Understanding Problem Solving
  • Federal Trade Commission Consumer Information
  • Understanding Credit Cards
  • Credit Reports
  • Consumer Rights - Guide to Consumer Laws
  • Debt Recovery Steps
  • Existing Strategies for Reducing Client Debt
  • Bankruptcy (mortgages, student loans, alimony, child support & reposessions)
  • Debt Management Plans
  • Individual Voluntary Arrangement (IVA) U.K. Debt Relief option explained.

Begin a rewarding career providing debt settlement services to clients desperate for help with overwhelming unsecured debt like high interest credit cards loans. Make a real difference in the lives of North American families strangled by debt. Work independently or apply for employment with leading debt relief firms after your certification as a Certified Debt Specialist. IAPDA certification training will provide you with the knowledge to advise your clients on debt settlement, credit counseling, debt management plans and bankruptcy.

IAPDA proudly provides valuable staff training and certifications for member companies of these Consumer Debt Relife Industry Trade Associations