Debt counseling help is there that could offer free counseling services either in person or over the phone. They will evaluate your situation after you give them the information they need to make the assessment. Based on this, they will be able to provide you a budget you can live with and an action plan to solve your financial concerns. The counseling will also give you a chance to see if a debt management plan is a worthwhile option. There is more info about debt counseling help at the site below but sign up first at the top of the page if you want to receive free alerts and tips and/or a newsletter called "Earn Money Today" delivered right into your email inbox.