While our economic forecast begins to look up, there are many people who are still stuck in heavy debt, lower income, and dwindling hope of ever paying it off. But it doesn't have to be that way. There are many credit debt consolidation services that can help you lower your interest rates, consolidate your debts, and get on the road to debt reduction. The good news is that the number of these agencies has doubled in the last few years. The bad news is, many unscrupulous scam artists have joined that group, attempting to deceive those who are already struggling to pay their bills. The most important thing for you to do is be sure to find a legitimate service with low fees and quality service. They will negotiate with your creditors to lower your interest rates, consolidate your debts, and manage your payments so that you only have one credit card payment per month which the service administers. If you have trouble finding a service you think you can trust, contact the National Foundation for Credit Counseling (NFCC) or a debt consolidation lawyer.