A client has faced an unexpected car expense, using rent money to pay for it. Which resource should a housing counselor recommend first to avoid making a late payment?

In situations where a client is facing an unexpected expense and may risk making a late rent payment, reaching out to a resource like United Way 211 is highly beneficial. This service provides information and referrals to various local assistance programs, including housing stability resources, rental assistance, and financial counseling.

By utilizing United Way 211, the client can access resources specifically designed to help individuals in financial crisis situations. They can find programs that may assist with rent payments, reducing the likelihood of late fees or eviction. This approach ensures that they can stay in good standing with their landlord while addressing their immediate financial challenge in a more structured and supportive manner.

While contacting the landlord for a late payment arrangement can be a feasible option, it is not always considered the best first step, especially if there are local resources available that can provide immediate assistance. Similarly, reaching out to family for a loan can strain personal relationships and is not always a reliable solution. Lastly, applying for a credit card advance could lead to further financial burdens due to high-interest rates and debt accumulation.

Utilizing a resource like United Way 211 allows the client to take a proactive and informed approach to their financial predicament, leading to a more sustainable outcome.