In general, most credit counseling services offer money management, budgeting assistance and debt management services. Some will also offer educational programs to keep you from making some of the mistakes you've made in the past. These types of educational programs may include classes, and even online Internet programs. It's best for you if you work with a credit counseling service that goes the extra mile and offers support, guidance and resolution. But, be sure to find out if there is a fee involved or if it's part of the credit-counseling program you've signed up with.