The amount of people in debt is increasing, and with this there is a market for debt counsellors promising to help you with a debt management plan. The downside is there are scam artists so it is important to avoid them. Always make sure you check for qualifications and reputations. Don’t pay any fees upfront because there’s no guarantee they will stick around to help you consolidate debt or make new payment plans. Always make a point of knowing the process so that you don’t get any undesired results and surprises. If they are not willing to be transparent then you are wasting your time.