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If you are having trouble paying your monthly credit card bills, or if you're juggling creditors and receiving phone calls demanding payment, you likely have credit card problems. It is time to seek credit counseling help from an agency specializing in debt counseling and easing credit-card problems. Choose wisely. Hundreds of agencies specialize in credit card help for consumers with credit problems and long-term credit card debt. The best course is to find an agency with solid experience in credit-card help, and to avoid agencies without a proven track record that may offer bad advice. When meeting with a counselor specializing in credit card help, make sure you understand fees for services. Look for an agency that's going to help you lower interest rates for long-term credit card debt. The credit card help counselor should offer a strategy for paying off debt and ending your credit problems. Credit card help often involves consolidating your debt into a single, lower-rate payment with fixed terms.