Counseling is a process of getting an expert advice when we are in trouble or in a situation in which a person has lots of problems which finds it difficult to solve. This kind of expert advice is given in various fields and for many different types and kinds of problems in which the people get trapped in like credit counseling. there many organizations that provide services through experts who provide advices to people who come to them seeking solutions for their problems which they feel could not be solved by themselves and requires a experienced person’s advice and guidance to solve the problem.