Which of the following pertains to the services provided in credit counseling?

The correct answer pertains to the essential role of credit counseling, which involves collecting detailed information on an individual's income and unpaid bills. This process is crucial for credit counselors as it helps them understand the financial situation of their clients, enabling them to create a personalized plan that addresses financial challenges. By gathering this data, they can assess how much money a client has available to pay off existing debts and provide guidance on managing finances effectively.

The other options do not align with the primary objectives of credit counseling. For example, maintaining low credit scores is not a goal; rather, the focus is on improving financial health and credit standing. Avoiding all debts is impractical and not the aim of credit counseling, which actually seeks to help clients manage debts in a sustainable way. Promoting loans with high interest rates contradicts the mission of credit counselors, who aim to provide options that benefit the client, typically advocating for more favorable financial practices.