Debt can be a good thing at times until it gets out of control when this happens there are free debt counseling services that can help you get control of your spending and start coming back to a life without debt stress. Without debt many of us wouldn't be able to make large purchases such as a house or a car, so when it is handled with care it can become a good thing.
Each service will offer its own perks to get your business and each of them will handle your account a little differently. Some services will be very hands on and will have you deposit one monthly payment into a trust account. When your bills are due the trust company pays your bills for you. This is good in the way that all you have to worry about is one payment and they take care of the rest for you. They will also phone your creditors and get your payments and interest lowered but this type of service is usually reserved for those that are in serious trouble.
Another free program will use the same type of management by getting your payments and interest lowered but usually again it's a last resort. They will monitor the income going out and coming into your home and look at your overall financial situation. Then they will help you put together a budget that and give you some really good advice. Their main goal is to correct the problem.
The last type of free services is non-profit services. This is usually offered to those of you who need charity. They will help you in creating a budget and will work for your unique situation. You will find most of these services run by a church or other non-profit establishments. They will not contact your creditors for you, but will help by giving advice on how you should proceed.