When exactly did you realize that you don't pay enough attention to your credit and debt? If you are like most, it happened right around the time you did not qualify for that super low rate on a mortgage or car loan. This is unfortunate for most, but it can actually be the best thing that happens to you. Only after getting this type of disappointing information will most people seek out a consumer credit counseling service to get back control over their credit.
If you want to find a consumer credit counseling service, here are a few places to start looking.