From what I have been told, there isn't really any good help. Not unless you are declaring bankruptcy (which totally ruins your credit). We were told that our best option is to keep plugging along and doing the best we can. I don't know what your problem is specifically. Ours is credit card debt. We were told to pay as much as possible on the highest and the minimums on the others. Then when the highest was gone, go to the next. It's not a fast solution, but the best for your credit. A lot of "debt consolidation" places help you out by having you intentionally get behind if you aren't already so they can convince the card company to make a deal. It just makes your credit worse. As for other financial issues, I have no idea. We own a home, but we are current on payments and we don't have any other problems. Other people can help, but no one can fix your credit. Most solutions will initially make it worse. Paying over time sucks, but it builds your credit back up.