A good credit counseling agency gives advice on managing money and debts and budget development, as well as offers free educational materials and workshops, according to the Federal Trade Commission. Other things to look/ask for include:

Find an organization that offers in-person counseling. Reputable credit counseling agencies should send free information about itself without requiring any information from the potential client.

Check out credit counseling agencies with the state Attorney General's office, local consumer protection agency or the Better Business Bureau.

Look for an organization that offers a range of services, including budget counseling, and savings and debt management classes. Avoid organizations that push a debt management plan as your only option before they analyze your situation.

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