Are you unable to pay your bills on time or pay the minimum payment required on your credit cards? Are you tired of receiving endless calls and letters from creditors and collection agencies? If you said yes to these questions, then you should consider getting professional financial help.For others, the idea of seeking professional financial advice may seem unnecessary as they believe that handling one’s finances is quite an easy task as long as you keep your expenditures less than your take home pay a month. However, this line of reasoning may prove to be too simplistic and not the best way to approach personal financial management. The truth of the matter is that even those who earn far more than what they are spending could end up neck-deep in debts and penalty and interest payments just because they have been careless with the way they have been handling their finances. With consumer credit counseling services, you will be able to identify and prioritize what must be done so that you will not anymore suffer the same problems.Companies that provide credit counseling services are ones that, for a fee, will help those who are suffering from multiple debts and can no longer continue managing these individually. They will provide, among others, services such as personal financial counseling, debt management services (as in the case of a non-profit debt consolidation program), and financial education services. Chances are, you might be very busy holding down your job- and family-related responsibilities that you can no longer manage your finances well. At the same time, most people become confused and frustrated dealing with numbers and figures, resulting in inability to make payments on time, penalties and compounded interest charges. These are the kinds of extra expenses that you can actually eliminate once you figure out how to control your debt payments. By getting consumer credit counseling services, you will be receiving expert financial advice regarding debt management and options that you can take to alleviate your debt-related problems.One example of an option you can take is the non-profit debt consolidation program, in which the company will collect all your individual debts, contact the companies from which you owe these, and then pay off these debts. The company will then consolidate these debts into one loan so that you can start on a clean slate and only have to do business with just that company. This option makes debt payment very simple and less complicated. However, the term “non-profit” does not entail that the service will be free, it just means that it is a special company whose services are somewhat subsidized by as consumer donations from other companies such as business organizations. In any case, debt consolidation is one effective option to take if you have fallen behind on your debts.Apart from providing such a package, companies offering consumer credit counseling services may also help increase your all-important credit rating because it will allow you to eventually pay off all your existing debts through the debt consolidation loan. By availing of such a loan, along with a sound financial management program provided by the company’s team of experts, you will also avoid having to file for bankruptcy which is a huge red flag on your credit report, forever tarnishing your reputation and ability to secure more loans in the future.