You don't have to face your debt problems alone. As emotional and frightening as it may seem to be behind in your loan or credit card payments and concerned that you may join the ranks of the millions of foreclosures in the last couple of years, there are avenues through which you can find advice and help. Some are non-profit credit counseling services that provide financial and debt consolidation advice that may save your credit score or your home. It may, however, be more difficult to weed out the scammers and con artists than it is to find a plan for consolidating your many debt payments into one. And in fact, a sure sign that you haven't found a legitimate debt consolidation company is if they charge exorbitant fees. The Better Business Bureau and your local consumer protection office can also help. If you've already fallen prey to such deception, you need to call an attorney to help you file a claim.