Check the yellow pages of your telephone book under “Credit and Debt Counseling Services.”  Make sure the agency you deal with is accredited and preferably a member of the National Foundation for Credit Counseling (NFCC).  To find the NFCC-accredited agency nearest you, call 1-800-388-2227 or visit their web site at www.nfcc.org.  These are typically called Consumer Credit Counseling Service offices, and they work with creditors on your behalf to negotiate restructured payments.  They also examine your income, your expenses, and help you establish a spending plan that is right for you.