Are you considering credit counseling? This can be a wise choice if you are having problems with debt that you can’t handle on your own. There are many ways people can get into financial difficulties, and often by the time you realize you’re in over your head, it’s too late for a simple solution.
The advantage of credit counseling is that you can get the advice of an expert. Discussing your situation with someone else can be a relief, as it helps to put everything into perspective. You realize that you aren’t the first person to have this type of problem, and that solutions do exist.