There are many options for those struggling with debt in today's troubled economy, especially those in credit card debt. One of the first options should be seeking help with credit counseling services that are non-profit agencies accredited with the National Foundation for Credit Counseling (NFCC). They will begin with an in-depth interview to determine the actual condition of your finances today. They will then help you create a budget to limit your spending and reserve more of your income for debt repayment. If appropriate, they can even help you with debt negotiation and debt management, simplifying your financial life and helping you get back on track. Be careful that you do enlist the aid of an accredited service, since many have joined the credit counseling market seeking only to make a quick buck and provide little or no service in return. If you have more serious financial problems, a bankruptcy lawyer can provide the advice you need or help you pursue a debt negotiating business that may have taken advantage of you.