Difficulty in meeting one's financial obligations is often symptomatic of another problem. Clients may be having relationship problems, for example. Because of this it is important for financial counsellors to know of resources, other than financial, to refer these people to. This is another option that may be put forward by counsellors. Whichever option is decided upon, however, depends on the advantages and disadvantages such as the interest rate charged by creditors for extended payments. But in the end, Informing and empowering clients to make their own decisions and manage their financial situation is the objective of financial counselling.
Financial counsellors also undertake the distribution and dissemination of information to other groups in the community such as school students, Mothers' groups and Migrant groups, and at prisons. Their other key task is documenting consumer caseloads and the debt issues that arise from them.