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TASK
Credit Counselors
ID
work_business_financial/credit_counselors
Type
TASK
Children
23
Child Nodes (23)
ATOMIC
Calculate clients' available monthly income to meet debt obligations.
ATOMIC
Explain services or policies to clients, such as debt management program rules, advantages and disadvantages of using services, or creditor concession policies.
ATOMIC
Create debt management plans, spending plans, or budgets to assist clients to meet financial goals.
ATOMIC
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.
ATOMIC
Assess clients' overall financial situations by reviewing income, assets, debts, expenses, credit reports, or other financial information.
ATOMIC
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.
ATOMIC
Explain general financial topics to clients, such as credit report ratings, bankruptcy laws, consumer protection laws, wage attachments, or collection actions.
ATOMIC
Interview clients by telephone or in person to gather financial information.
ATOMIC
Estimate time for debt repayment, given amount of debt, interest rates, and available funds.
ATOMIC
Prepare written documents to establish contracts with or communicate financial recommendations to clients.
ATOMIC
Maintain or update records of client account activity, including financial transactions, counseling session notes, correspondence, document images, or client inquiries.
ATOMIC
Negotiate with creditors on behalf of clients to arrange for payment adjustments, interest rate reductions, time extensions, or payment plans.
ATOMIC
Advise clients on housing matters, such as housing rental, homeownership, mortgage delinquency, or foreclosure prevention.
ATOMIC
Create action plans to assist clients in obtaining permanent housing via rent or mortgage programs.
ATOMIC
Advise clients or respond to inquiries about financial matters in person or via phone, email, Web site, or Internet chat.
ATOMIC
Review changes to financial, family, or employment situations to determine whether changes to existing debt management plans, spending plans, or budgets are needed.
ATOMIC
Recommend educational materials or resources to clients on matters, such as financial planning, budgeting, or credit.
ATOMIC
Refer clients to social service or community resources for needs beyond those of credit or debt counseling.
ATOMIC
Explain loan information to clients, such as available loan types, eligibility requirements, or loan restrictions.
ATOMIC
Teach courses or seminars on topics, such as budgeting, management of personal finances, or financial literacy.
ATOMIC
Conduct research to help clients avoid repossessions or foreclosures or remove levies or wage garnishments.
ATOMIC
Disburse funds from client accounts to creditors.
ATOMIC