Do you have the credit card blues? Are you overwhelmed and over your head when it comes to paying your bills? If you answered yes to both questions, don't worry, you are not alone! The economy, for lack of better words, is in the toilet. People are having trouble paying their bills and putting food on the table. While using your credit card may be a quick and easy fix it is only a temporary solution as you will eventually be faced with a bill that you may not be in the position to pay.

So what can you do if you are over your head in credit card debt and need help? Well, if you are serious about getting your finances in order it might be a good idea to contact a REPUTABLE credit card counseling service. There are many benefits to working with a credit counseling service as they hire experienced financial counselors who truly want to help you!

So what exactly will a credit card counseling service do for you? Well, first of all, they will do a complete analysis of your financial situation. Then they will review your budget and suggest improvements. Don't have a budget? Don't worry, you will soon! If you want to get out of debt and improve your financial outlook having (and following) a budget is VERY important!

Not only will a credit counseling service analyze your current finances and help you prepare a budget, they will also help you set future financial goals. They will provide you with several resources such as financial workshops, seminars, brochures and workbooks (a mini financial education!).

It is very important that you pick a credit card counseling service that is on the up and up. In other words, REPUTABLE! A good counseling service will be a NON-PROFIT organization that is federally approved! Unfortunately, there are many companies out there that take advantage of people in bad financial situations. They prey on the down and out (not nice!). These companies promise to help you and then charge you a great deal of money! What they usually do is charge you a small fee up front and then hit you with large fees later on down the road. A reputable, non-profit, counseling service will usually charge you one small administrative fee per month.

There is help available if you are unsure as to which credit counseling service you should work with. Simply contact The National Foundation for Credit Counseling or The Association of Independent Consumer Credit Counseling Agencies. Both will be able to point you in the right direction. If you know of a friend or family member who worked with a credit counseling service, you can always ask them about their experience. Referrals are a great way to locate a reputable counseling agency.

If you are over your head in debt, don't be ashamed! Did you know that the average American family owes five to ten thousand dollars in credit card bills alone! Taking the first step towards financial freedom is the hardest part. Once you find and begin to work with a reputable credit card counseling service you will be on your way to a debt free life! Less debt equals less stress, and that's a good thing!