Many people spend years and years balancing a fragile credit card debt with their ability to pay it and eventually even the most judicious spender can see the house of cards getting ready to collapse. The first inclining is to run to the credit card debt management companies you see on television and ask them to help you put the house of cards back together so you can go on with your spending habits until that cards crash again and that is exactly what a regular credit card management company will do. They will help you get out of trouble temporarily and then watch you get right back into trouble again so they can swoop in and save you while adding to the money they already make from you on a monthly basis. Maybe you should turn off the television, pick up the phone book, and find the phone number of a non profit debt consolidation organization to offer you some real help.
With a non profit organization you will get honest answers and they will sit down with you and show you all of the numbers involved in non profit credit card debt consolidation and then they also have to show you what they will be charging you every month to do the service. Every debt consolidation service charges a fee. They have to stay in business. You can also expect a non profit credit card debt consolidation organization to ask you a lot of questions so that they can better help you get your life under control. They may not be able to get you any better deals from the regular debt management companies but non organizations will at least keep you involved.
Now The Bad News
If you are a qualified debt manager which organization would you work for? You would probably work for the one that pays the most, right? A non profit credit card debt consolidation organization can have a difficult time attracting good talent because they do not pay well and in the financial services industry, as you can imagine, money means everything. Sometimes you many do not get the best manager for your case but just ask a lot of questions and if you are not comfortable with the manager then you may want to decide to take your problems elsewhere.
The people at non profit credit card debt consolidation services mean well and they do good work for the most part. If you are really going to call a debt consolidation service then try a non profit credit card debt consolidation service first. Good luck out there in the credit jungle.