The office shall be responsible for promoting a consumer credit counseling service for the purpose of promoting and helping establish consumer credit counseling services for individuals in areas where a need has been established. The purposes of the consumer credit counseling service shall be to:(1) Assist and educate individual consumers as to money management.
(2) Assist individual consumers in consolidating obligations when a situation exists in which the individual consumer is in need of such assistance.
(3) Work with consumer credit grantors in an effort to establish better relations with the individual consumer and with state and federal regulatory agencies.