Five years ago, it seemed like there were a number of people who were unconcerned about debt. You have to spend money to make money was a common mantra. However, when some of those people began losing their homes to foreclosure and their credit rating dropped so low that they couldn't get additional credit, they realized bad credit is a life-changing issue. Are consumer credit counseling services the answer? Some think so, but others warn that many of these services are out to take further advantage of those who are already financially strapped. They often make promises they are unable to keep, while charging high fees to put the consumer further in debt. Often the best element of consumer credit counseling services is advising clients of how they're overspending, helping them live within a budget, and helping them begin to pay off high credit card debt. In the few cases where they can help you negotiate debt consolidation or lower interest rates, be sure you're using a licensed and accredited service with no hidden fees. And if you have already been stung by unscrupulous counselors, seek help from an experienced credit lawyer.