What is the primary role of a credit counselor?

The primary role of a credit counselor is to help individuals manage debt and improve credit skills. Credit counselors assess a person's financial situation, provide education on financial literacy, and offer strategies to handle and reduce debt effectively. They can also assist in negotiating with creditors and setting up debt management plans. By focusing on these areas, credit counselors play a significant role in empowering clients to achieve better financial health and improve their creditworthiness over time.

While budgeting and spending are important aspects of financial management, they are part of a broader strategy that includes debt management and credit improvement. Legal advice regarding debt typically falls under the expertise of attorneys rather than credit counselors. Additionally, credit counselors do not primarily sell financial products but instead focus on helping clients obtain and manage their finances responsibly.