If you feel like you need some help dealing with credit issues, you can talk to a credit counselor. This is a specially trained person who will help you with your cash flow and intervene with your creditors.
The Consumer Credit Counseling Service (CCCS) is a not-for-profit agency that provides credit counseling. Contact the National Foundation for Credit Counseling (NFCC) toll-free at 1-800-388-2227, or on-line at www.nfcc.org, to locate a local CCCS office.