This could be via an exchange of a series of emails, or it could be over an instant chat messenger that allows the counsellor to talk to their client in real time.
According to the major credit rating bureau Trans Union Credit, credit card delinquencies rose 9.9 percent between the third and fourth quarters of 2011.
Though there are a number of experts who believe that the validity and efficacy of online and telephone counselling is not as strong as that of counselling in a traditional setting, there is mounting evidence to suggest that the outcome of these methods is at least equal to that of face to face counselling. There is also a growing body of supporting evidence suggesting that the effects of telephone counselling parallel those of face to face methods.
A 2002 study published in the Journal of Counselling and Psychology revealed that counselling clients rate their relationship with their therapist very similarly to in-person clients.
According to the Office of National Statistics, 22 million households in the UK are now connected to the Internet, while access to the Internet using a mobile phone rose to 58% in 2014.
With so many people now online on a daily basis, either for leisure or work - Internet counselling and telephone counselling are ideal alternative solutions to many of the obstacles that some individuals face when attempting to seek face to face counselling, and ultimately, they are methods which can be used to reach people who wouldn't get help any other way.