Some consumers, despite good intentions, are unable to make ends meet. Some are unable, on their own, to negotiate a manageable payment plan with their creditors, or simply have too much trouble keeping track of bills to develop a budget that accurately accounts for their expenses. If you find yourself in one of these situations, you should consider contacting a credit-counseling service.

If you have trouble managing your credit cards, you aren't alone. There are hundreds of agencies nationwide and millions of people on debt-management plans. Experts estimate there will be nearly one million additional people enrolled each year.

Credit-counseling clients can enroll online, on the phone, and in person, depending on the agency. They can make payments via money orders, wire, or direct debit (ACH) of their bank accounts. Technology has allowed the industry to serve more people and has made programs much more convenient for clients. The industry has sacrificed the one-on-one personal touch to achieve fast and convenient services. Know what you want in a credit counselor and look for the company that meets your needs.