This short guide explains the process of getting debt management help from a credit counselling agency. Credit counselling agencies provide a range of services for people in financial difficulty. One of the most common services they offer is help with finding the best strategy to pay off your debt through a debt management program. Credit counselling agencies can also offer you one-on-one counselling, group courses and seminars on topics such as: how to make a budget and stick to it; How to use credit wisely; How to improve your credit report and credit score.