If your debt has gotten out of hand and you are looking at interest rates and principal balances that never seem to budge, it may be time to find a debt reduction program that will work for you. There are many that are available, both in your local area and on the internet. But you must beware. Many seek high fees and provide few services to actually reduce your debt. Take the time to investigate the debt reduction program you are considering. Make sure they are accredited by the National Federation for Credit Counseling (NFCC). If you are in a complicated situation or you are nearing bankruptcy, you can even consult a debt reduction attorney to provide the legal expertise you may need. Most will help you analyze your debt and your spending, negotiate with your creditors, and even attempt to settle some debts for less than you owe if possible. Every client is different, but you don't have to go it alone. Contact a credit counseling service or attorney to help you solve your debt problems.