If your credit is "broken," you probably have a high level of credit card debt, have missed a few debt payments, and are struggling to make ends meet. But for broken credit, you can find help through credit repair debt consolidation. You may be able to employ this plan yourself by taking out a debt consolidation loan with lower interest rates than those of your credit card balances. Then you'll have one smaller payment rather than the many payments you may have had in the past. If that doesn't work for you, you may be able to contact a credit counseling service to negotiate lower interest rates and monthly payments with your creditors, and manage your payments for you each month, for a fee. You'll make one payment to them and they'll pay your creditors. Of course, you must make sure you've chosen a legitimate service or they could miss payments and put you in further debt trouble. If you are nearing bankruptcy, it may take more serious negotiations, and a lawyer may be a better choice, enabling you to consider whether consolidation or bankruptcy is the right option for you.