Credit Counselors

A typical week, in the words of people in the job

1. 01Create debt management plans, spending plans, or budgets to assist clients to meet financial goals.
2. 02Assess clients' overall financial situations by reviewing income, assets, debts, expenses, credit reports, or other financial information.
3. 03Calculate clients' available monthly income to meet debt obligations.
4. 04Recommend strategies for clients to meet their financial goals, such as borrowing money through loans or loan programs, declaring bankruptcy, making budget adjustments, or enrolling in debt management plans.
5. 05Disburse funds from client accounts to creditors.
6. 06Investigate missing checks, payment histories, held funds, returned checks, or other related issues to resolve client or creditor problems.
7. 07Explain general financial topics to clients, such as credit report ratings, bankruptcy laws, consumer protection laws, wage attachments, or collection actions.
8. 08Interview clients by telephone or in person to gather financial information.
9. 09Maintain or update records of client account activity, including financial transactions, counseling session notes, correspondence, document images, or client inquiries.
10. 10Estimate time for debt repayment, given amount of debt, interest rates, and available funds.
11. 11Prioritize client debt repayment to avoid dire consequences, such as bankruptcy or foreclosure or to reduce overall costs, such as by paying high-interest or short-term loans first.
12. 12Recommend educational materials or resources to clients on matters, such as financial planning, budgeting, or credit.

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