It is estimated that the average household has 13 credit, debit, or store cards open in their name. Since so many people are carrying balances on credit cards these days, it's no wonder that it's becoming more and more difficult to balance those bills and pay them all on time. If you are struggling with that situation, it may help to start by consolidating all those credit card balances into one. You can do that by taking out a debt consolidation low-interest loan or transferring balances to lower rate cards. You can also accomplish debt reduction credit card consolidation by calling on one of the many credit counseling or debt reduction services available today. They can negotiate with your creditors to reduce your interest rates, lower your payments, and more. They can also manage your payments for you, leaving you with just one check to write each month rather than many. But investigate your service carefully and make sure they don't charge high fees and provide poor service as so many of the new companies do in an effort to make some quick money and run. Check with the National Foundation for Credit Counseling to find a reliable service near you.