The dawn of the 1990s revealed a meteoric rise in debt that opened business opportunities for debt repair and credit counseling. Many Americans find themselves engulfed in debts that are too hard to manage. This is why they seek out the services of a credit counselors. But not all credit counseling agencies are legitimate. Some are simply con artists who prey on people who are desperate to get out of debt. The best way to avoid being scammed is to never allow the debts to build into an unmanageable situation. If however, a person needed to use the services of a credit counseling agency, here are important things to remember.