A counselor shall explain to a client, before entering the counseling relationship, all financial arrangements related to professional services including the use of collection agencies or legal measures for nonpayment. Except as provided in §C of this regulation, a counselor may not accept goods or services instead of monetary payment. A counselor may accept goods or services instead of monetary payment only if: The relationship is not exploitative; The client requests it; A clear written contract is established; and The arrangements are an accepted practice among professionals in the community. A counselor may not accept or give anything of value for receiving or making a referral.