Overdue credit card debt is a huge hurdle for some people these days; one that many fear they'll never get past. But if they take advantage of some of the consolidation debt settlement services that are available today, their problems may be solved sooner than they could have imagined. For those who carry high balances on multiple credit cards as well as mortgages and car payments, debt consolidation is an appealing option. It allows the consumer to consolidate their debts without outside help. By transferring balances from many credit cards to one with a lower interest rate, they can reduce payments and simplify their financial life. If their debt problems are more complex, they may want to ask for help from a debt consolidation service, a credit counseling service, or an attorney. Any of them can help with debt consolidation settlements, but the debtor must beware. Some services that make promises they don't intend to keep and their only goal is to collect large fees from unsuspecting clients. If you fear that has happened to you, don't hesitate to consult with an attorney to learn if you can recover those fees.