The American economy is facing difficult times, in part because many consumers are depending on debt rather than earning power to purchase the items they want. As a result, some consumers resort to one of the many credit counseling services now available to help them out of financial trouble. But that can carry its own set of problems. Some credit counseling services can be helpful, especially for those who need help creating and living within a budget. However, those that promise to negotiate a lower payment or interest schedule may be charging you a fee to do something you can do yourself. Some non-profit services are paid by receiving from the credit card companies a percentage of what they recover, causing them to work in the interest of creditors more than their clients. Others agree to consolidate debt and make your payments for you, but end up being late themselves, causing further damage to your credit score. Be careful before agreeing to work with any of these agencies. If you are in doubt about how you have been treated or who to trust, schedule a consultation with an attorney to learn your best option.