But there’s something you can do about it. You can look into the services of debt consolidation service. They will negotiate a payment plan for you that will turn the burden of numerous credit card payments into one easy to make payment that fits into your budget. Most of these services are run by nonprofit organizations that will step in and act as a barrier between you and the credit card companies. They can reduce the balance on your loans by up to 50%. That could wipe out half of what you owe. They also can lower your interest rate and wipe out the fees charged against your account.