From the introduction: "Whether a disaster is brought on by a force of natural or man-made, and no matter what the magnitude of the disaster is, confusion and shock always abound. Households and businesses reeling from a disaster typically find it difficult to understand the wide range of options and resources available to them as they look to rebuild or relocate to permanent housing or base of operations. [...] The U.S. Department of Housing and Urban Development (HUD) is no stranger to these types of challenges. Since 1968, HUD has helped people overcome barriers to safe, affordable housing through its housing counseling program. This program supports a national network of approved housing counseling agencies which provides education, information, and referrals to address a wide range of financial and housing needs. The Office of Housing Counseling currently has over 1,900 HUD-approved housing counseling agencies (HCAs). Many are known and trusted in their communities for providing knowledgeable, individualized housing assistance to individuals and families who live nearby. Housing counseling works. Extensive research, summarized in Appendix 3, documents that households working with a HUD-approved housing counseling agency are more likely to succeed in homeownership, avoid default, and - if in default - obtain a more favorable loan modification and avoid foreclosure when compared with similar families who did not work with HUD-approved housing counseling agencies."
U.S. Department of Housing and Urban Development: https://www.hud.gov/