Daytime TV is the worst culprit for giving people the idea that debt consolidation
and trouble free finances are only a phone call away, but things aren't as simple as that. Becoming debt free requires work and it isn't something that will happen overnight so you will need a little help but only from someone who is going to give you the right advice and methods that are best to do so.
Popular ways of getting out of debt are generally not very good and if it is popular then it probably isn't feasible or practical. Many people are under the impression that if they leave home, change address, then creditors won't be able to find you, but the fact is this is only evading the situation and will probably lead to further fines and plenty of court appearances.
Declaring bankruptcy is a popular one but this leaves a permanent black mark on your credit history which further down the line could be very problematic when you are buying a home or setting up a business which requires loans, banks will be dubious of your circumstances. The best way that I've heard people instantly getting out of debt is by dramatically earning a large sum of money which is capable of clearing all money problems you have.
Of course the only way to come into such a large sum of money would be courtesy of lottery win, a great spot of luck at a casino or a carefully crafted and calculated heist which involves miles of tunnels and a whole host of gadgets and devices that would make James Bond jealous.
Advice about debt is something that you probably can't put a price on because like most people the knowledge of debt problems and solutions isn't your forte. The best advice you will receive will probably be hindsight warning on things like credit cards, overdrafts and loans which is more likely to annoy you but is something that needs to be brought to attention so that similar problems don't occur again and that lessons have been learned.
Seeking help can bring progress to ease the money that you are haemorrhaging each week or month and most of the time you might even be able to bring it all down to one payment over an agreed basis which will serve up some much needed breathing space.
No one wants a lesson in life because by seeking financial help you have already admitted your shortcomings when it comes to your finances so you will want a friendly voice at the end of the phone when you start to right your wrongs.