I definitely agree. There will always be a place in the market for face to face consultations. After all, credit "counseling" is an act of counseling, not just hard financials. To us the four pillars of financial stability (for customer already in financial distress) are Education, Budgeting, Counseling, and Community. We can obviously provide some of these but not others. The idea here is to leave the counseling to the experts, but be able to offer something to the vast majority of Americans who go through credit counseling today but only really need a little extra push to get them on the right track again.