Generally speaking, a short term problem may require counselling so that you have an opportunity to get a different perspective over whatever issue is causing immediate distress that you have not been easily able to resolve on your own.
Psychotherapy is a longer term undertaking and allows you to work in depth with me over issues that feel complicated and may have been a problem for a longer time. It can bring about change and growth by developing personal insight, leading to a more fulfilling and balanced life.
They can both be an effective way of exploring issues, understanding more about ourselves and leading more positive and integrated lives. There is an overlap between the two.