It is unfortunate when people find themselves in heavy consumer debt, but fortunate that there are services in place to help.  Debt reduction services can quickly take the pressure off, putting a buffer between the debtor and their creditors.  From the time that the credit counseling company takes over, all payments are made to them and they negotiate with the various creditors for the best terms and put a stop to late charges.  The debt management option is in place to help ensure that consumer debt does not overwhelm anyone.  This is not a step to be taken lightly, but trained credit counselors can help determine if the need exists. 

A 19% increase of bankruptcies was felt in North Dakota in 2003 compared to the 2000 rate.  2,188 middle-class families found themselves faced with filing personal bankruptcy papers.  That can be calculated out to be one bankruptcy every 4 hours.  Those families could have found relief through debt reduction service.  Realizing that struggling with consumer debt is not a shameful situation and getting help is a very positive step.  Credit counseling programs can help so many!  Why struggle alone?