Those who are buried in credit card debt are constantly looking for debt consolidation help. And there is debt consolidation help to be had. It can begin with the consumer. Some credit card companies will negotiate with the cardholder to lower interest rates. Others offer special low-rate balance transfer opportunities to allow you to consolidate debt yourself; but keep in mind, those rates are usually short-term and if you don't pay off your balances by the time that rate ends, you'll have high interest rates again or have to transfer balances once more. Finally, there are debt consolidation companies that offer to help you combine balances and lower rates, but not all are legitimate. Check them out carefully, going through the Better Business Bureau or your local consumer protection office, or consult an attorney for the debt consolidation advice you need. Finally, there are consumer counseling services that can help you cut back on spending and credit card use and learn to live on a budget that will help you pay off your card balances yourself.