There is a huge credit card debt problem in this country today. Too many credit card commercials have told people they can have what they want now and pay for it later! The only answer for some is to quit using their credit cards, and with card consolidation credit debt may begin to diminish. There are many services that promise to help consumers do that today, but credit card holders must beware. There is often a high cost to these services that is not clearly explained up front. Some, indeed, will negotiate with creditors to accept smaller payments and charge less interest to help the delinquent debtor get out of trouble. However, in many cases a credit card holder can accomplish that same goal on their own. There are accredited non-profit services that can help consumers establish a budget and learn how to live within their means. But that won't happen for those who use a card consolidation credit debt agency that charges high fees for inconsistent services. If you have found yourself questioning the actions of such a service, or if you are in such heavy debt that you feel you need help, a lawyer can advise you about what you need to do next.