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Hopelessness, worry, anxiety, and fear are all emotions associated with financial difficulties. It may seem as if you have no where to go or nobody to turn to. That's not necessarily true. There are organizations out there that help individuals in financial despair consolidate their loans into one easy payment. Organizations like the Debt Counselors of America, and the National Foundation for Consumer Credit, are the most widely recognized.
Most members of the NFCC are known as Consumer Credit Counselors, and provide free or low cost debt counseling services. Consumer Credit Counselors are part of a national network that has local offices throughout the country that individuals can walk into and seek assistance. If there isn't a Consumer Credit Counselor office in your area, you can turn to the Debt Counselors of America. They can assist you over the phone or via the Internet. The aforementioned organizations specialize in helping people get their financial affairs in order. You don't necessarily to be facing a financially challenging situation to take advantage of their services. For a list of names, phone numbers, and addresses of NFCC members log on to www.debtadvice.org.