You approach a counselor with the hope of getting your finances back on track, but to ensure that your finance is in safe hands you should be aware of the certification and accreditation. Most of the non-profit counseling agencies are the members of the National Foundation for Credit Counseling.
Before scheduling a consulting session, ask yourself how would you like to avail the service, i.e. on-call consultation, online consultation or in-person counseling.
Cost may vary from one state to another, and depending on the scenario. But you should clarify the overall cost before deciding to attend the counseling session.