credit counselors

Credit counselors are trained financial professionals who help individuals manage debt and improve their financial health. They provide personalized advice on budgeting, saving, and paying off debts, often working with creditors to negotiate more manageable terms. Their goal is to empower clients with knowledge and strategies to regain financial stability and avoid future debt problems. Typically, counseling sessions are confidential and can be done in person, by phone, or online, making complex financial concepts understandable and actionable for clients at various income levels.