Those who are drowning in debt may feel like they're going under without a life preserver. However, there are aids and counselors that can provide the assistance you need. Some you can use these resources yourself; others require fee-based services at varying levels. The first step, if you've never done so before, is to make a budget that limits spending and directs more of your income to debt repayment. If you're not sure how to do that, there are numerous debt reduction planners available on the Web. Most are free to use on the internet, while others can be downloaded in debt reduction software for no charge. With a little practice, you can become adept at tracking your debts and what you should be paying in order to meet your debt reduction goals. If you want personal help, credit counseling services are non-profit organizations that can talk you through the process for small fees. If you get into serious trouble that are beyond the scope of your debt reduction planner, you can call on a debt reduction attorney to assist you.