When you find yourself in a great deal of debt, it can be overwhelming. Depending on where you live, it may be difficult to find additional sources of income to help you get out of debt. In rural or remote areas, you may not have the option of working additional hours or finding a second job. Debt counselling may be able to help you turn your current financial situation around. When you go to debt counselling, you need to take a list of all of your debts, current expenses and income to the first session.