1. Credit counseling, which is basically where they give you advice on what to do, and how to better manage your credit card finances. They will also probably get you a budget, and advise you to lower the number of credit cards you have to only two or three. That is if you even have that many already.

2. Debt consolidation, this is the more aggressive approach, where the company will work with your debt collectors to help lower your monthly payments, or even get your debt lowered down to a certain extent. Why would they do something like that? Well, the reason is because your creditor does not want to see you go bankrupt. It will mean that the amount of money that they can now collect off of you is zero. So, instead of letting you go bankrupt they’re willing to settle on a lower bill.

Another sign to seek professional help, is when you’re credit score is at risk of being damaged to a large extent. If you notice this occurring make sure that you get professional credit help immediately. Do not just let it slide, or it could do a lot of damage to your credit score.

Also, be wary of companies that place ads on TV, that offer quick and easy fixes to your credit problems. While it would certainly be convenient to have a quick and easy fix, the sad truth is that the majority of these companies making those claims are preying off of the ignorant, and sending them deeper into credit card debt instead of getting them out of it.

Lastly, no one is going to judge because you need professional help with your credit.