Many Americans admit that they don't know enough about how to handle their finances and today's out-of-control debt. What's worse, many admit that they're afraid to ask. But that's not a solution. The truth is, there are numerous agencies and companies that can advise and protect you while you're facing the possible destruction of your financial future. There are hundreds of credit counseling services that will analyze your financial status and provide reliable advice for a small fee. They help most of their clients manage their spending and create a budget that will allow them to begin paying off their debts. But beware of disreputable services that will take advantage of you or do more damage to your credit score. These credit counselors may also be able to negotiate with your creditors and consolidate your debts to lower interest rates and arrange for smaller payments. If you do need legal advice, either to file bankruptcy or to file a claim against an unscrupulous debt consolidation service, you should call an experienced financial attorney who can also provide credit counseling for most of your needs.