Credit counselors, housing counselors, and bankruptcy educators meet with clients to offer personalized advice on steps to improve financial situation. Services include: - Debt and credit counseling. - Debt management programs. - Reverse mortgage counseling. - Pre- and post-bankruptcy counseling and education. - Pre- and post-home buying and rental counseling. - Mortgage default and foreclosure counseling. - Rental counseling. - Educational workshops. - Military Reconnect. - Disaster Recovery Counseling. - Student Loan Counseling.