If you have serious financial difficulties and cannot find a solution, a non-profit credit counseling service may be able to help. Credit counseling services are provided by organizations designed to help persons with debt problems pay their bills. Some credit counseling services charge small or no fees for helping people develop a spending plan. Consumer Credit Counseling Services, credit unions, banks, and housing authorities provide financial counseling.
Credit counseling professionals can help you create and use a financial plan. If your income is not sufficient to pay all your debts, they can help you work out a debt repayment plan. With this plan, you deposit money each pay period with the credit counseling service and they pay your bills according to your debt repayment plan. They may also require that you not use any additional credit until you have repaid your present debts, unless approved by your credit counselor.