More people than ever before have credit card debt and they are looking for solutions that will allow them to manage this debt in way that will allow them to be debt free in a minimal amount of time. There are organizations that can help you with your debt, but they are not all the same. It depends on how old your debt is which option will work best for you.
Debt management services are nonprofit and their primary focus is to help you get out of debt as quickly as possible. If you feel like you will never have your credit card debt paid off, but have been making minimum payments, you may want to consider a consumer credit counseling program. These programs can have you out of debt in about half the time making the same minimum payment you have already been making.
If your monthly payments are current they will be in effect for as long as you pay the credit counseling firm promptly. This means that you don't have to worry about the damage to your credit. The interest rates you pay will be reduced on the majority of unsecure debts to about 10% or less.
A debt management firm will consolidate all accounts that are enrolled, without the need for a loan. One payment is only paid each month, and is usually created as an EFT making it extremely efficient.