They'll help you even when Bernanke and Paulson won't.

With the hard times continuing for everyone EXCEPT the investment banks, it's more important than ever to deal with your credit card debt. Credit cards companies are tightening up credit, and that doesn't just mean that they're going to not issue new cards; it means they're taking a harder look at the accounts they do have and trying to wring money out of them: more late fees, increasing interest rates, debt collectors and lawsuits over defaulted cards are the tools they'll be employing.

You can avoid some of that if you act now and act responsibly. American credit counseling runs DebtGuru.com -- a website that will give you information and a free quote on how their debt consolidation program can work for you, and then will let you sign up right there.

This nonprofit company, which is bonded, will get all the information they need to determine what your debts are and how they can help; a debt counselor then reviews the information and begins to negotiate with credit card companies to help you. They may be able to lower payments, lower interest rates, waive late charges, or even re-set the account so that it's current and you don't pay punitive interest rates and charges. Once they do that, they'll give you just one monthly payment to make, and you'll be on your way to getting out of debt.

It might seem like there are no options to deal with your debt, or that you've tried everything, but you haven't tried DebtGuru.com, so you haven't done all that you can yet. Go over to their website and read up on how it works. Get your free quote for what they can do to help you get out from under that mountain of credit card bills and default notices that are piling up. If you're still not convinced, read the client testimonials they have, like this one:

I have been through 3 job changes and some very tight months with my finances, and Adam showed me how I could maintain my payments and not just give up.

That's what we all need, isn't it? Someone who will help us in the tight months and keep us from giving up - -and that's what DebtGuru.com can give you.