Debts won't take care of themselves. If you've gotten in over your head and find yourself buried in credit card bills, you know that simply paying the minimum payment each month doesn't even begin to whittle down the balances. It takes work to get out of debt. But often, you can establish a plan to quit using your cards, spend less, and begin paying off your cards yourself. However, for most people, debt consolidation management may be the only way to go. An outsider can both look at your debts and spending objectively and be brutally honest about what you need to do. Sometimes they can also negotiate more effectively because of their objectivity. There are, however, two requirements. First, be sure to find a reputable debt consolidation management service. There are many who charge high fees and provide few of the services they promise. Second, listen to and follow the advice of the counselor. If, however, you have already been deceived by an unscrupulous counselor, you may need a lawyer. They can also provide appropriate advice to help you handle your debt and restore your credit standing.