A credit counseling agency is a nonprofit organization that helps individuals manage their debt and improve their financial situation. These agencies provide services such as budgeting assistance, debt management plans, and financial education. Their goal is to help clients understand their financial options and make informed decisions. Clients can seek help from a credit counselor, who will assess their financial situation and create a personalized plan. This support can be beneficial for those struggling with credit card debt or other financial challenges, as it offers guidance and resources to regain control over their finances.