Credit counseling agencies could be one of two types of groups. One, a credit counseling agency is a place you go to get a certificate of credit counseling prior to entering bankruptcy. More commonly credit counseling agencies are debt solution agencies. They are not lawyers, they are not law firms, but rather they are a group of people that will help you negotiate with your credit card debt only. The difference here between a credit counseling agency or a debt solution agency in a bankruptcy law firm an attorney is an attorney can help you through bankruptcy deal with all of your debt, whereas a credit counseling, debt solutions agencies only helps you negotiate with your credit card companies.