We all know that debts won't disappear by themselves. But these days, it seems that many people who are working hard to reduce their debt are making very little progress. That may mean that they're going about it the wrong way. There are many resources to help them pursue a more effective course, including contacting a debt reduction service with expert counselors who can establish the right plan for them. If you find yourself in that situation, be sure to contact a reputable debt reduction or credit counseling service, preferably one that is accredited with the National Foundation for Credit Counseling (NFCC). They can help you set up a budget, directing more funds to debt reduction. They can also help you consider negotiating with your creditors for lower interest rates, consolidating your debts, and arranging for debt settlement plans when appropriate. For those in more difficult situations, a debt reduction attorney may be the partner you need to begin making progress in lowering your debts.