The endoplasmic reticulum is composed of sac-like structures called cisternae that are folded and bound together by a cytoskeleton. There are two types of endoplasmic reticulum: smooth endoplasmic reticulum and rough endoplasmic reticulum.
Remedial Financial Counseling is used when clients experience a state of financial, emotional and or/ personal discomfort. This form of counseling helps clients understand their present financial state and learn ways to resolve their situation.
Credit Counseling. Under the 2005 Bankruptcy Act, you are now required to undergo mandatory credit counseling to establish your right to file for bankruptcy. The counseling session takes place within six months of filing your bankruptcy petition.