Consumers should consider help to tame credit

The U.S. Federal Trade Commission suggests that if you are in seemingly constant state of debt, consider working with a credit counselor. These agencies have people who are certified and trained in debt management, budgeting and repairing credit. Often, they can help with plans tailored specifically to you and your situation. Online research will be very helpful here to find the right kind of credit counselor group for your budget and individual needs.