According to statistics, the average American consumer holds more than $8,000 in unsecured debt, such as credit cards. If you feel like you are drowning in a tsunami of debt and are unsure how you can start the process of getting back on your feet, it could be to your advantage to get the perspective of an expert. There are many different types of firms and agencies that have been established to help consumers fight their way out from under debt. However, according to most personal finance experts, the best choice is often a debt non-profit reduction organization, such as a non-profit credit-counseling center. These groups are often staffed by skilled volunteers who can help you develop a budget and work out a payment plan to begin reducing your credit card debt. Although non-profit credit counseling centers will work with your creditors to convince them to reduce interest rates, modify due dates, and decrease your monthly obligations, they typically do not seek to eliminate or settle debts.