Questions to Ask When Looking For Help


During these difficult financial times, it is important to get information from an unbiased, trustworthy, and knowledgeable source. 


The Adams County Housing Authority is a HUD-Approved Housing Counseling Agency and our services are always free of charge.  


As you consider selecting a housing counseling agency, do the research to find the right one to meet your specific needs. Below you’ll find a list of helpful questions for you to keep in mind as you interview and select a housing counseling agency that’s right for you.


Q.  Is the agency affiliated approved by the United States Department of Housing and Urban Development?


Q.  Does the agency adhere to the National Standards for Homeownership Education and Counseling?

 A.  Self-accreditation is not the answer you want.


Q.  Is the agency a 501(c)(3) nonprofit community organization or government agency?

 A.  Being a nonprofit does not guarantee the agency is legitimate, but it is a step in the right direction.


Q.  Who is on their Board of Directors?

A.  Board members should not be paid by the agency, should not be family members or friends, and should represent a cross-section of community and civic interests.


Q.  What services does the agency offer?

A.  An agency should provide a wide-range of services,  i.e. Budget counseling, Housing counseling, Fore-closure Prevention Counseling, and Rental Counseling.


Q.  What are the fees associated with the services?

A.  ACHA does not charge any fees.  No Fee is preferred, but if they charge fees, the agency should tell you about fees up front and NO fee should be charged before the service is provided.  In addition, the agency should be willing to waive all fees in cases of true hardship.


Q.  What delivery options are available to you for counseling?

 A.  In person, phone, online? Do the available methods meet your needs?


Q.  Does the agency provide educational classes or workshops?

 A.  The absence of any true education offered to the general public is a red flag.


Q.  How long will your counseling session last?

 A.  A counselor cannot do an adequate overview of your finances in a short amount of time.