Consumer credit counseling services abound but get one that's accredited. The NFCC makes sure they promote financial responsibility and makes its members deliver the highest quality of counseling services and financial education. To talk to a counselor near you, call 1-800-388-2227. He will help with the financial demands by assisting with the financial options and money management that could appear confusing and difficult. There's more information on consumer credit counseling services 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.