{"c":"13-2071.00","n":"Credit Counselors","d":"Advise and educate individuals or organizations on acquiring and managing debt. May provide guidance in determining the best type of loan and explain loan requirements or restrictions. May help develop debt management plans or student financial aid packages. May advise on credit issues, or provide budget, mortgage, bankruptcy, or student financial aid counseling.","g":"13","tasks":[{"t":"Calculate clients' available monthly income to meet debt obligations.","core":true,"id":18935,"r":25,"dt":"08/2020","src":"Occupational Expert"},{"t":"Explain services or policies to clients, such as debt management program rules, advantages and disadvantages of using services, or creditor concession policies.","core":true,"id":18938,"r":25,"dt":"08/2020","src":"Occupational Expert"},{"t":"Create debt management plans, spending plans, or budgets to assist clients to meet financial goals.","core":true,"id":18936,"r":25,"dt":"08/2020","src":"Occupational Expert"},{"t":"Prioritize 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.","core":true,"id":18943,"r":25,"dt":"08/2020","src":"Occupational Expert"},{"t":"Assess clients' overall financial situations by reviewing income, assets, debts, expenses, credit reports, or other financial information.","core":true,"id":18934,"r":25,"dt":"08/2020","src":"Occupational Expert"},{"t":"Recommend 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.","core":true,"id":18945,"r":24,"dt":"08/2020","src":"Occupational Expert"},{"t":"Explain general financial topics to clients, such as credit report ratings, bankruptcy laws, consumer protection laws, wage attachments, or collection actions.","core":true,"id":18952,"r":25,"dt":"08/2020","src":"Occupational Expert"},{"t":"Interview clients by telephone or in person to gather financial information.","core":true,"id":18939,"r":24,"dt":"08/2020","src":"Occupational Expert"},{"t":"Estimate time for debt repayment, given amount of debt, interest rates, and available funds.","core":true,"id":18937,"r":25,"dt":"08/2020","src":"Occupational Expert"},{"t":"Prepare written documents to establish contracts with or communicate financial recommendations to clients.","core":true,"id":18942,"r":24,"dt":"08/2020","src":"Occupational Expert"},{"t":"Maintain or update records of client account activity, including financial transactions, counseling session notes, correspondence, document images, or client inquiries.","core":true,"id":18940,"r":25,"dt":"08/2020","src":"Occupational Expert"},{"t":"Negotiate with creditors on behalf of clients to arrange for payment adjustments, interest rate reductions, time extensions, or payment plans.","core":true,"id":18941,"r":25,"dt":"08/2020","src":"Occupational Expert"},{"t":"Advise clients on housing matters, such as housing rental, homeownership, mortgage delinquency, or foreclosure prevention.","core":true,"id":18948,"r":25,"dt":"08/2020","src":"Occupational Expert"},{"t":"Create action plans to assist clients in obtaining permanent housing via rent or mortgage programs.","core":true,"id":18950,"r":25,"dt":"08/2020","src":"Occupational Expert"},{"t":"Advise clients or respond to inquiries about financial matters in person or via phone, email, Web site, or Internet chat.","core":true,"id":18933,"r":25,"dt":"08/2020","src":"Occupational Expert"},{"t":"Review changes to financial, family, or employment situations to determine whether changes to existing debt management plans, spending plans, or budgets are needed.","core":true,"id":18947,"r":25,"dt":"08/2020","src":"Occupational Expert"},{"t":"Recommend educational materials or resources to clients on matters, such as financial planning, budgeting, or credit.","core":true,"id":18944,"r":25,"dt":"08/2020","src":"Occupational Expert"},{"t":"Refer clients to social service or community resources for needs beyond those of credit or debt counseling.","core":true,"id":18946,"r":25,"dt":"08/2020","src":"Occupational Expert"},{"t":"Explain loan information to clients, such as available loan types, eligibility requirements, or loan restrictions.","core":true,"id":18953,"r":25,"dt":"08/2020","src":"Occupational Expert"},{"t":"Teach courses or seminars on topics, such as budgeting, management of personal finances, or financial literacy.","core":true,"id":18955,"r":25,"dt":"08/2020","src":"Occupational Expert"},{"t":"Conduct research to help clients avoid repossessions or foreclosures or remove levies or wage garnishments.","core":true,"id":18949,"r":25,"dt":"08/2020","src":"Occupational Expert"},{"t":"Disburse funds from client accounts to creditors.","core":false,"id":18951,"r":23,"dt":"08/2020","src":"Occupational Expert"},{"t":"Investigate missing checks, payment histories, held funds, returned checks, or other related issues to resolve client or creditor problems.","core":false,"id":18954,"r":25,"dt":"08/2020","src":"Occupational Expert"}]}