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Most importantly, no good agency will charge you on first meeting. They rather provide free consultations to talk about the situation of the debtor. This meeting is not shallow. It provides indepth information and analysis about debts and assets. They offer to design a plan for how go out about credit issues for free or at a fee which is moderate.
Also a good credit card debt consolidation, debt consolidation negotiation or debt consolidation loan counseling agency does not force a plan on a client, they allow them the decision to choose or reject the plan, even though time and effort went into creating a specific plan for that potential client.

They also provide good customer care services and do not do a shoddy work concerning potential clients.
Finally, a good agency assures of employees who are specialized in the areas of credit, debt, budgeting and other important areas related to finances.