If you're drowning in debt, you are already well aware that it can really make life difficult. This is simply because these debt collection companies hunt you down like a pack of hyenas. No one likes to talk to these skunks but sometimes doing so can be beneficial. Because...

First, avoid credit counsellors, stay away from credit counselling agencies, some of which are being investigated for fraud or have ties to credit-card companies.

I don't usually recommend refinancing to pay off credit cards, unless you've got the sense not to throw your money away again. Because...