If you have found yourself buried in debt, and have not able to negotiate a fair deal with your creditors, it may be time to hire some professional help. Consumer credit counselors are professionals who are trained in dealing with creditors. These counselors often times know what to say and do to help you work out a deal that is beneficial for you and for your creditors. Credit counselors can even work out a deal that will lower your payment as well as the interest rate. You should definitely consider looking into consumer credit before filing for bankruptcy.