There are a lot of people looking for help with their credit cards these days. With all the individuals needing assistance, a number of government and local programs have been implemented to help those struggling pay off their debts. If you are finding yourself with bills that seem too much for you to bear, don't give up hope. Assistance is available. Many banks and other lenders are willing to work with you to find a balance where you can pay back part of what you owe without having to resort to bankruptcy.
When discussing your finances, lesson number one is that no one is protecting your own interests other than yourself. You, the debtor, must be the advocate for your cause, since no one else will fight as hard on your behalf. If you want to negotiate with whoever you owe money, you can. Be wary of scams or other seemingly professional outfits that make promises too good to be true. They will likely take money out of your pockets and add to your financial difficulty.