Programs that provide assistance for people who want to improve their understanding of the consumer credit lending and collections systems, and maximize their skill in using credit. Services may include help in completing credit application forms, understanding how credit information is analyzed, choosing the best credit cards and/or interest rates available, determining how many credit cards can be managed, protecting one's credit information, communicating with creditors, improving poor credit reports and associated credit scores, eliminating credit card debt and dealing with other credit card issues.
Programs that provide assistance for individuals who are having difficulty meeting their financial obligations and, as a result, may be faced with bankruptcy or loss of their home or property.
Programs that provide educational workshops, printed materials, Internet website information or other types of resources for individuals, families, business owners and others that deal with the essentials of money management, asset building and financial independence. A wide variety of money management issues may be addressed including banking services, consumer credit lending, debt consolidation/repayment, bankruptcy, small business development, retirement planning, investment management, savings, risk management, tax and estate law and other similar topics.
Programs that provide assistance for people who are in the process of obtaining a loan or line of credit to ensure that they understand the terms and conditions of the document they are about to sign and, where relevant, prevent them from becoming victims of predatory lending practices.
Programs that provide instruction that deals with the basic activities of homemaking including caring for and managing children; planning, shopping for and preparing nutritious meals; maintaining a clean and safe living environment; and other in-home responsibilities. Included are teaching and demonstrating homemaking programs that are designed specifically to assist parents who are at risk or have a history of abusing their children to successfully maintain their homes while meeting their children's needs in that setting. Also included are homemaking instruction programs that are designed to meet the needs of elderly individuals.
The above terms and definitions are part of the Taxonomy of Human Services, used here by permission of INFO LINE of Los Angeles.