They will help you assess your current condition and see what you can do about it. If you're far behind the financial eight ball, don't panic. Financial planners and credit counselors are available to help you. It is not essential, that you spend any money for help. Consumer Credit Counseling is free and available everywhere.
Many localities also offer free credit counseling as well.
There are voluntary agencies and professionals who do pro bono or low-cost work. Don't be embarrassed to seek their counsel. And don't think that low or no cost necessarily means inferior service. There are good people out there who want to help. Banks and lending institutions also often provide such services.