Too many credit cards usually makes for too many bills and financial trouble that can appear impossible to manage. That is why so many people are turning to debt consolidators these days. That can be another option full of land mines, since some are dishonest scam artists hoping to take advantage of those in need. They often make big promises that they cannot keep. In fact, some end up charging so much for their services that they put their clients further into debt. There are non-profit and for-profit debt consolidators. Be wary of their promises. First, most banks will be reluctant to loan more money to someone in financial trouble, so the interest rate is high. Second, many individuals can have as much success negotiating lower interest rates for transferring balances to one account as a debt consolidator has. Finally, non-profit agencies receive a percentage of what they recover from credit card companies, so they may operate more to the benefit of those companies than that of their non-paying client. If you are in serious debt trouble, you may want to consult a lawyer before seeking any other help, to protect yourself from unscrupulous services.