Many of those who are in debt are afraid to seek help through credit/financial counseling.  This resides in the fact that some counseling agents charge a fee, which would only seem contradictive to the problem of already being in debt.  However, most credit counseling services are free and offer service to anyone with any degree of financial struggles. 

Credit counseling services can be found online as well as in your local phone book. Make sure to search specifically for free credit counselors through online sites, the White pages, or the phone book to save you the time and hassle of dealing with services that may charge you a fee.  You may have to shop around to find the service that best suits you or that you feel most comfortable with, but you will find someone to help.  While looking around, make sure to inquire about any and all fees that may apply right away.  Don’t put yourself in greater debt while seeking credit counseling. 

Think of debt counselors as volunteers to a cause of financial advice.  If you are in need of food, you have food shelters to go to.  If you are in need of medical attention or advice, you can find free services.  This is the same concept with debt counselors – there are people in this world that are willing to donate their time, energy, and expertise to help you with your financial struggles – for free.  Take the time to seek credit counseling through a local, or online, free non-profit credit counseling service right away before your debt takes off.