How do you know if you need help with your debt?
If you currently have more than one credit card and all you can do is make minimum payments on those bills, you should consider consolidating your debt. Other telltale signs: taking regular cash advances from one card to pay another, putting off expenses because you don't have the cash to pay them, and constantly worrying about debt. In almost all cases, credit-counseling agencies can work with creditors to set up a payment-reduction plan.