It seems a terrible situation; climbing rates, rising fees and no money left to answer them. Credit no longer exists and panic is the only emotion you recognize (except, perhaps, despair). You fear that you will never get beyond your debt, and your family will suffer for it. But there is a way to work with the system--and eventually overcome it. You can find debt help.... if you only know where to look. 
There are several options available to you for relief. Naturally, not all of these apply to every situation. But there is one that, when used properly, will help you create a plan to get out of debt and back to your life.
A debt counselor serves as a barrier between you and financial failure. They evaluate your specific case, think of solutions and show you ways to implement them. They are not, please don't misunderstand, a quick fix. Instead, they offer you the chance to reasonably free yourself from debt. Will it take time? Yes. Will it take patience? Yes. Is it worth it? Of course.
It must be noted, however, that not all counselors offer the same unbiased debt help. Some only care for money (it is a business, after all). You must be able to select the right type of person to best work your problem.
Look for non-profit organizations. These are meant to focus on you, not their paycheck. Also, be certain that you seek out customer satisfaction. Each company must keep records of complaints or legal troubles. See exactly what kinds of services are being offered and if they do as they promise. And, of course, question your counselor thoroughly before agreeing to anything. They must prove to you that they can give the debt help you need, not just the hope of it.
Not everyone will need to consult beyond themselves. Some of us are lucky enough to be able to see past the obvious problems and create our own guidelines. But, for those still floundering, a counselor could be the best way of finding a plan that works... and sticking to it.
Debt help is not impossible. It is simply an effort. But, if you are willing to make it, then you will find your rewards: being as you used to, without the worry. And isn't that what you want?
