When one goes to the doctor for a check-up, the nurse starts by checking your vitals: temperature, weight, blood pressure, etc. This allows the doctor to better understand what is going on with your health and offer solutions to remedy and maintain a good, healthy lifestyle.
The same idea can be applied to credit counseling: it is a check-up of your financial health. Improving financial status can improve your life, and one of the best ways to do that is by having a counselor or coach to aid you on your path to financial independence.
Receiving credit counseling provides steps on how to create and execute a budget, knowledge and understanding of how savings works, and having the confidence to pay down/pay off past debts. All of this works towards improving financial standing.
Debt can be intimidating if you allow it to be. Credit counseling can help you overcome financial intimidation with financial confidence and independence.