Q: How can a housing counselor help renters and homeowners?

Answer: Last week we met a great group of people who have multiple tools for assisting homeowners (with or without mortgages) and renters alike. They connect you with housing counselors approved by the U.S. Department of Housing and Urban Development (HUD) who are helpful, patient, and neutral specialists that listen to your needs and offer:

• A personalized action plan to overcome your housing-related challenges

• Budgeting tips including help managing bills, credit cards, student loans, and other debt

• Disaster-recovery help including FEMA and insurance claims/denials and other support

• Help communicating with your landlord, mortgage company, or assistance providers

• Ongoing check-ins and coaching to help you succeed for the long run

• Confidential services provided through their nonprofit counseling partners in multiple languages