Credit Counselors

Business and Financial Operations Occupations · Job Skills & Competencies · SOC 13-2071 · 56 skills

Occupation context

These O*NET tasks describe the occupation. They provide context for this SOC mapping, but do not mean every listed Skill performs every task.

Calculate clients' available monthly income to meet debt obligations.
Explain services or policies to clients, such as debt management program rules, advantages and disadvantages of using services, or creditor concession policies.
Create debt management plans, spending plans, or budgets to assist clients to meet financial goals.

O*NET task statements are shown in their source language (English). Task data excerpted from the O*NET® 29.1 Database (USDOL/ETA) and used under CC BY 4.0.

Representative sources

A bounded sample of popular skills mapped to this occupation, with at most one Skill from each GitHub repository. The complete mapped list follows.

LeoYeAI/openclaw-master-skills

Survival protocol for when income drops and debts pile up. Covers payment priority hierarchy, creditor negotiation, collector defense using FDCPA rights, validation letters, statute of limitations, settlement strategies, and what actually happens if you stop paying.

tenant-screening-guide

mohitagw15856/pm-claude-skills

Design a fair, consistent tenant screening process for a rental. Use when asked how to screen tenants, set rental criteria, evaluate rental applicants, or build a tenant screening process. Produces a screening framework — written objective criteria, the application & checks, a consistent evaluation method, and applicant communication — built to be fair and Fair-Housing-compliant. Not legal advice.

family-budget-conversation

FerroxLabs/wayland

Provides conversation frameworks for discussing money within families, including shared financial goal setting, household budget conversations, teaching children about money, and navigating financial disagreements. Produces structured conversation guides with opening scripts and shared goal templates. Use when the user asks about having money conversations with a partner, family, or children, setting shared financial goals, or discussing a household budget together. Do NOT use for financial advice, investment guidance, debt management strategies, or individual budget creation (use personal-finance skills).

stundungsanfrage-glaeubiger

majiayu000/claude-skill-registry

Erzeugt Stundungsanfragen an Gläubiger (Lieferanten Bank Vermieter Steueramt Sozialversicherungstraeger). Erfasst pro Gläubiger Forderungshoehe Fälligkeit Stundungswunsch (neue Fälligkeit Ratenzahlung Tilgungspause) Begründung Sicherheitsangebot. Pro Gläubiger eigenes Schreiben. Hinweis Steuerstundung § 222 AO (restriktiv) und Sozialversicherung (sehr restriktiv § 76 SGB IV). Schriftliche Stundungszusage erforderlich für Berücksichtigung in der Liquiditaetsplanung.

All mapped skills

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Skill names and descriptions remain in the language supplied by their source repository.

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LeoYeAI/openclaw-master-skills

Survival protocol for when income drops and debts pile up. Covers payment priority hierarchy, creditor negotiation, collector defense using FDCPA rights, validation letters, statute of limitations, settlement strategies, and what actually happens if you stop paying.

tenant-screening-guide

mohitagw15856/pm-claude-skills

Design a fair, consistent tenant screening process for a rental. Use when asked how to screen tenants, set rental criteria, evaluate rental applicants, or build a tenant screening process. Produces a screening framework — written objective criteria, the application & checks, a consistent evaluation method, and applicant communication — built to be fair and Fair-Housing-compliant. Not legal advice.

financial-aid-appeal

mohitagw15856/pm-claude-skills

Write a financial-aid appeal or scholarship request letter that aid offices act on — factual, documented, and specific about the ask. Use when asked to appeal my financial aid, write a scholarship letter, ask for more aid after circumstances changed, or respond to an aid decision. Produces the appeal letter with the changed-circumstance case documented, the specific dollar ask, the evidence list to attach, and the follow-up plan.

family-budget-conversation

FerroxLabs/wayland

Provides conversation frameworks for discussing money within families, including shared financial goal setting, household budget conversations, teaching children about money, and navigating financial disagreements. Produces structured conversation guides with opening scripts and shared goal templates. Use when the user asks about having money conversations with a partner, family, or children, setting shared financial goals, or discussing a household budget together. Do NOT use for financial advice, investment guidance, debt management strategies, or individual budget creation (use personal-finance skills).

job-loss-transition

FerroxLabs/wayland

Produces structured transition plans for immediate financial stabilization after job loss, covering 30-day action plans, benefits continuation checklists (COBRA timeline, unemployment filing), expense reduction frameworks, and job search reactivation sequences. Focuses on the immediate practical steps to stabilize finances and relaunch a career search within the first 30-90 days. Use when the user asks about what to do after losing a job, managing finances during unemployment, or organizing a job loss recovery plan. Do NOT use for long-term career coaching (use career-development skills), detailed job search strategy (use job search skills), or mental health treatment for job loss depression.

stundungsanfrage-glaeubiger

majiayu000/claude-skill-registry

Erzeugt Stundungsanfragen an Gläubiger (Lieferanten Bank Vermieter Steueramt Sozialversicherungstraeger). Erfasst pro Gläubiger Forderungshoehe Fälligkeit Stundungswunsch (neue Fälligkeit Ratenzahlung Tilgungspause) Begründung Sicherheitsangebot. Pro Gläubiger eigenes Schreiben. Hinweis Steuerstundung § 222 AO (restriktiv) und Sozialversicherung (sehr restriktiv § 76 SGB IV). Schriftliche Stundungszusage erforderlich für Berücksichtigung in der Liquiditaetsplanung.

installment-payment-option

majiayu000/claude-skill-registry

Customer inquires about payment plans or installment options for course purchases.

credit-repair-cloud

membranedev/application-skills

Credit Repair Cloud integration. Manage Users, Clients, Affiliates, Providers, Disputes, Products and more. Use when the user wants to interact with Credit Repair Cloud data.

openaccountant/skills

Build avalanche or snowball debt payoff plans with payment schedules.

zero-based-budget

openaccountant/skills

Allocate every dollar of income to a category using zero-based budgeting.

zubair-trabzada/ai-finance-claude

Debt payoff strategy generator. Compares avalanche (highest interest first) vs snowball (smallest balance first) methods, calculates payoff timelines and total interest saved, and recommends optimal payment allocation across multiple debts. Includes credit card consolidation and refinancing analysis. Use when the user says "/finance debt", "pay off my debt", "snowball or avalanche", "consolidation", or asks for any debt strategy.

openaccountant/wilson

Creates debt payoff plans using avalanche or snowball methods. Calculates payoff timelines and interest savings. Trigger when user asks about debt payoff, debt reduction, or paying off loans.