A more thorough explanation:

A debt relief agency is a person, company, or institution that provides services to someone who is considering or filing for bankruptcy. These services can include advice, information, and counseling, and the agency may charge a fee for their services.

For example, a debt relief agency may offer to help someone create a plan to pay off their debts or negotiate with creditors on their behalf. They may also provide information about bankruptcy and help someone file for bankruptcy if necessary.

It's important to note that lawyers can also be considered debt relief agencies if they offer services related to bankruptcy. However, debt relief agencies are subject to certain restrictions under the U.S. Bankruptcy Code. For instance, they cannot advise someone to take on more debt, misrepresent the benefits and risks of a person's situation, or make untrue or misleading statements in documents related to the case.

Overall, a debt relief agency is a resource for people who are struggling with debt and need help navigating the complex process of bankruptcy.