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Probably few, if any, of the people who have used or tried to use Medicare would dispute that it can be a dauntingly complex task.

CredAbility Selected by HUD to Help Homeowners With Reduced Income Apply for Federal Funds to Avoid Foreclosure
National Nonprofit Credit Counseling Agency Will Immediately Begin Qualifying Homeowners Hurt by Unemployment, Medical Issues

Richard L. Revesz and Michael A. Livermore: Mortgage Counseling: HUD Should Do More Than "Incorporate by Reference"
The Department of Housing and Urban Development has taken some steps toward improving housing counseling by indicating that new rules may be on the horizon. But to really make a difference, HUD must tailor its rules to maximize the benefits of counseling.