Some online tools can help.
Take a look at the American Consumer Credit Counseling service. Be sure to leave your credit cards at home to avoid spending more money and accumulating more debt. If you are paying a very high interest on your outstanding credit card balance, consider getting a new card with a low balance transfer and ongoing APR rate. After you transfer the existing debt to the new card be sure to cancel your old cards to avoid spending more. Browse through our selection of Low APR cards and find out if you qualify and if any of these cards fit your needs.