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Financial Behaviors of Consumers in Credit Counseling
The purpose of this study was to identify factors that are associated with the financial behaviors of consumers who use credit-counseling services and to examine whether or not the behaviors are associated with these consumers’ financial stress and satisfaction. Specifically, this paper will: (1) Develop a framework to examine financial behaviors of consumers who use credit counseling services; (2) Identify factors that are associated with financial behaviors of these consumers; (3) Examine, in particular, whether or not the behaviors are associated with these consumers’ financial stress and satisfaction; (4) Based on the findings, develop implications for credit counseling professionals to better meet the needs of consumers in credit counseling.
