What is the primary focus of remedial counseling?

Remedial counseling primarily addresses situations where individuals are facing financial difficulties, particularly in managing debts that exceed their ability to repay. The focus is on providing immediate support to help members navigate and cope with financial distress. This type of counseling often involves creating plans to manage existing debts, understanding one's financial situation, and exploring options for debt relief. It is critical for members who may feel overwhelmed by their financial obligations, as the goal is to restore their financial health and set them on a path toward stability.

Recognizing that remedial counseling is specifically meant for those struggling significantly with their current financial situations makes it distinct from other types of counseling aimed at wealth management or planning for future purchases, which do not directly address the pressing issues of debt management.