Examples: Additional information may be gathered from sources such as credit reports, creditor statements, utility bills, mortgage statements, or pay stubs. The organization also may collect information related to the client’s employment, education, buying habits, significant expenditures, current and expected future income, secured and unsecured debt, health and other life issues that may affect their financial situation, and any significant changes in their earnings, assets, liabilities, and expenses, including the reason for those changes.
The organization provides appropriate housing counselling and education and/or provides referrals to other organizations within the client’s community when the assessment identifies potential threats to a client’s housing status.
Examples: Examples of potential threats to a client’s housing status can include when housing costs represent a substantial portion of the client’s net income and when housing is threatened due to rent, mortgage, property tax, and/or utility delinquencies.
Organizations that charge fees:
do not deny service based on inability to pay;
do not charge fees in advance of service;
establish reasonable fees for services; and
ensure the fee structure complies with applicable federal and provincial law.