In one of my previous jobs in the UK I was a debt & welfare benefits adviser and we used an off the shelf case management system. The cost for running it was quite significant - we paid about £1000 (UK GBP) per year for only 2 signons. This type of system is used by advice agencies throughout the UK, including the Citizens Advice Bureau.
The only difference between these kind of systems and CiviCRM (that I can think of) is the personal financial statement. This is where the user/administrator inputs the client's income & expenditure plus their debts to the various creditors. The system then works out disposable income & debt repayments plus a printable financial statement. It's a pretty comprehensive facility and I'd guess it would need a significant development effort to get it into Civi. But it would be quite a commercial opportunity, as the cost of alternatives always seems very high to me or - better - a big saving for non profits.