Minor  tort  cases,  in  particular  where there  is  a  clear  claim  and  an  unjustified refusal to pay Defense  of  disputed  indebtedness Criminal  defense  in  traffic  and  minor misdemeanor  cases Services  under  the  Expanded  Legal  Assist- ance Program are intended to provide legal serv- ices  for  eligible  personnel  who  cannot  afford  to hire a civilian attorney. All fees and costs incident to each case shall be paid by the client, and not by the Department of  the  Navy.  This  restriction  does  not  prohibit the  client  from  borrowing  or  otherwise  obtain- ing  funds  from  the  Navy  Relief  Society  or  other organizations  to  pay  legal  costs. The  Expanded  Legal  Assistance  Program  in no way curtails or diminishes the legal assistance given to military personnel and their dependents under the traditional legal assistance program. Credit Unions Financial   management   counseling   may   be provided by the Navy Credit Union when a serv- ice member applies for a loan from that agency. Some  Navy  Credit  Unions  provide  information concerning  Consumer  Credit  Counselors,  Inc. Consumer Credit Counselors, Inc. Consumer   Credit   Counselors,   Inc.   is   a nationwide  nonprofit  organization  sponsored  by local  merchants  and  banking  institutions.  This organization  provides  expert,  confidential  finan- cial counseling for service members who need or desire their services. Command Career Counselor The  command  career  counselor  discusses  all areas  of  career  development  with  Navy  person- nel  and  their  spouses.  Areas  such  as  military compensation,  reenlistment  incentives,  bonuses, the  Survivor  Benefit  Plan,  Servicemen’s  Group Life   Insurance   (SGLI),   insurance   programs, and   retirement   benefits   are   discussed.   The career  counselor  may  refer  members  who  need emergency  financial  counseling  or  aid  to  other appropriate  sources. In   developing   the   I&R   Directory,   the   RP would  do  well  to  contact  the  command  career counselor   before   research   begins   on   the   I&R Directory  to  see  what  resources  have  already been  identified  within  the  command.  Frequent contact  with  the  command  career  counselor  can save  time  and  prevent  duplication  of  effort for  both  the  command  career  counselor  and  the RP. Housing Referral Office The  Housing  Referral  Office  provides  infor- mation on local rental rates and average monthly utility fees (phone, fuel, and electricity) to help a family  estimate  total  costs.  Addresses  of  avail- able rentals are frequently available at the hous- ing  referral  office. The Household Goods Shipping Office A  member  of  the  Household  Goods  Shipping Office provides each service member and spouse with  assistance  in  planning  a  move.  When  an entire   ship’s   company   changes   location,   the Household  Goods  Shipping  Office  may  make  a general   presentation   to   the   affected   crew members  and  spouses.  When  damage  to  house- hold   goods   occurs   during   an   official   move, the  Household  Goods  Shipping  Office  will  proc- ess   and   adjudicate   the   claims.   It   will   also make  and  explain  charges  to  service  members for   excess   weight   of   household   goods   being shipped. Other Services Within  the  area  of  some  naval  facilities, other  Navy  organizations  may  provide  informa- tion,  assistance,  and  certain  types  of  counseling for individual Navy members and their families. The RP can contact either the I&R specialist or the  staff  chaplain  of  the  nearest  family  service center (FSC) to determine if additional resources are available when those listed in the chapel I&R Directory  are  not  adequate. 5-25