The organization specializes in providing education and counseling services to individuals and groups who are concerned about their financial situation. if appropriate, the organization also helps individuals establish affordable and convenient debt management plans to help them repay their debts in a timely manner. as a hud-approved housing counseling agency, the organization also provides pre- and post-purchase counseling, rental and reverse mortgage counseling, and foreclosure intervention and default counseling. the organization has also been approved by the executive office for u.s. trustees to provide pre-filing credit counseling and pre-discharge debtor education to consumers filing for bankruptcy protection.