Encouraging Behavior Change in Credit Counseling: An Application of the Transtheoretical Model of Change (Ttm)
8 Pages Posted: 24 Oct 2006 Last revised: 30 Nov 2020
Date Written: May 18, 2006
This paper first describes the characteristics and behaviors of consumers who seek credit counseling. It then introduces major concepts of the Transtheoretical Model of Change (TTM) and demonstrates how TTM can be applied in the setting of consumer credit counseling. Practical issues related to the application are also discussed.
Keywords: behavior change, transtheoretical model of change, credit counseling
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