Counseling almost by definition is something that works best before borrowing, not after! If I’m gonna lose my home the last thing I want is a lecture. Not to pick on anyone, but where was the Center For Responsible Use Of Excessive Capitalized Non-Governmental Organizations? How about congress, aren’t they supposed to set legislation?
There are some, few, credit services organzations that can help after the loan and before the adjustments.
The borrower needs to start as early as possible and do the right things - and not be so far gone that the timeframe isn’t reasonable.
But for some, increasing their scores is possible and can have a sizable impact on being able to afford keeping their home.