If you are heavily in debt, up to your neck in credit card debts, cannot afford to make your credit card payments and do not have a clue to how to resolve the situation, it may be time to get some debt counseling assistance. The problem with debt is that if you do not have the ability to service it, it can get out of control really quickly especially with credit card debt where the interest rate can be higher than 15% interest rate.
One non profit debt counseling organization is the NFCC which is the National Foundation for Credit Counseling. If you call 1-800-338-2227, you can find a counselor in your state who may be able to give you financial advice. The NFCC was founded in 1951 and has about 850 offices throughout the country. It helps about 4 millions consumers every year to control their debt and drive it down.
Debt counseling is not a quick fix program as they do not help you pay off your debts. However, they are able to help advise and evaluate various options available for you including drastic measures such as filing for bankruptcy. They can also provide evaluation and advise on debt settlement and also propose a savings plan based on your specific situation.