Generate a full detail guide on how to find and choose a reputable non-profit credit counseling agency. The guide must help users avoid scams. It should include: 1. An explanation of what credit counseling is and what a Debt Management Plan (DMP) entails. 2. A guide to finding accredited agencies through resources like the NFCC. 3. A checklist of questions to ask a potential credit counselor. 4. Red flags to watch out for to avoid predatory debt settlement companies. 5. A section on what to expect during your first session. Please include a supportive disclaimer.