What is a credit counseling service?

@alan 

A credit counseling service is a financial service that provides assistance and guidance to individuals who are struggling with debt or need financial advice. These services typically offer debt management plans, budgeting advice, and education on personal finance topics. The goal of credit counseling is to help individuals gain control of their finances, reduce debt, and achieve financial stability. These services are often provided by nonprofit organizations and may also include debt consolidation and negotiation with creditors.