ByDesign Financial Solutions (dba Consumer Credit Counseling Service of Los Angeles, the Sacramento Valley, Central Valley and Mid-Counties) is dedicated to helping individuals and families, learn how to prevent and solve financial difficulties. As a member of the National Foundation for Credit Counseling (NFCC), and established more than 40 years ago, the organization offers personal finance education, confidential individual debt and housing counseling, and the implementation of debt reduction plans. A Department of Housing and Urban Development (HUD)-approved counseling agency, the group also offers home pre-purchase counseling and education, reverse mortgage counseling, as well as default and foreclosure prevention and intervention. In addition, ByDesign offers free financial education for at-risk youth.