What looks like a huge problem may be whittled down to a manageable plan with the right help and some self discipline. If you've been worried that your credit card balances don't seem to be going down, the card companies have you right where they want you. However, expert consumer debt counseling can help you establish a plan to begin paying off your credit card debt, one card at a time. But, you must be sure to call on someone who will truly look out for your best interests, charge small or no fees, and point you in the right direction for your credit needs, not a one-size-fits-all plan. In most cases, these counselors can help you devise a budget that will help you cut spending and quit using credit. For others, they may recommend a plan to consolidate debts and reduce interest. Still others may need to consider bankruptcy. Be wary, and look for consumer debt counselors who are members of the National Federation for Credit Counseling to suggest the right option for you. For more serious debt, you may need to consult a lawyer who can also provide expert advice.