It may be prudent to attempt several easy solutions first before you start searching for organizations or companies providing credit debt help.  First of all, you have to examine your expenses and find out if there are any items that can be discontinued because they are not necessities.  Actually, this could be the easiest route towards being debt-free because you have absolute control over this even if a little sacrifice may be required.  Another way to solve the financial problem is to ask for a loan from family members.  However, it is important to note this loan from a relative will need appropriate documentation to ensure that he or she will not be required to pay income tax for an implied interest or a gift tax if it is not considered as a loan or no interest is charged.

Another possible solution that you can look into before looking for credit debt help is borrowing from his 401(k) or getting a debt consolidation loan.  You may be able to consolidate your different credit card loans by using a balance transfer card that offers a low interest rate at the start.  However, you will need to check that the balance transfer card’s normal interest rate after the introductory period has elapsed will not be larger than the rates that your original credit cards carry.  Another way is to get a home equity loan if you have already accumulated substantial equity on your home.  

If you still think that you will require credit debt help after attempting the above recommendations, it is time to search for a credit counseling service.  You may want to start looking for a non-profit organization offering this kind of service.  However, it should not be assumed that they will not collect any fees just because they are listed as non-profit agencies.  It is also advisable to check on their joining and monthly fees and their privacy policy.  It is also advisable to determine the kind of services that they provide beforehand, such as counseling, budgeting advice or a debt repayment plan.

After registering for this type of credit debt help service, you will then discuss the amount that you will be paying each month with your assigned counselor.  The arrangement would be for you to pay to the service provider a certain amount every month that they will be distributed to each of your creditors.  The immediate advantage of this kind of arrangement is that you may no longer receive those annoying phone calls from the creditors and you only need to write one check as opposed to one check for each creditor. Look at BDR for more.