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If you're like most Americans you probably have so many credit cards that you have no idea how many you have. How about you? Do you know how many credit cards you carry? And if you're reading this article you are probably straddled with a hefty amount of debt on those numerous credit cards and you have that sinking feeling that your financial situation is hanging by a thread.

The bottom line is that it simply does not matter if you are already deep in debt or whether your financial situation is at a tipping point, in either case it's high time you looked for help from your debt issues by seeking out the help from the professionals and stayed away from advice from friends and family.

The first step is finding competent debt consolidation advice but from who and where do you begin?

Of course, you can get advice on debt relief from banks, financial planners and other financial institutions. Don't worry do a little research online or locally and you will find a plethora of debt consolidation companies and individuals who will be more than willing to help you out by providing supply you with a review of you current debt and overall financial situation.

It's really quite simple, especially online. Most debt management companies simply require you to fill out a simply form, that requires no confidential information and submit it. You will then be contacted and the whole process can begin. Only after you've been contacted will you be required to provide more in-depth information about your debts. They will map out a plan tailored for you and advise you on which steps you need take to dig yourself out of debt.

Another peripheral advantage of debt counseling is that your advisor will probably suggest some lifestyle changes you need to make in order to avoid putting yourself back behind the financial eight-ball sometime down the road.

Sounds like a no-brainer but how much is this going to cost me?

For those who are already suffering financially it's normally the first thought that comes to mind. However, the good news is that most companies will do a complete review of your current debt financial situation at little or no cost.

Remember, wishing away your debts is a bad idea and if you find yourself in a situation that only a small miracle will save you it's time to look for some help from a professional because the sooner you get a handle on your finances the sooner you can get to living your life.

In summary, as in all fields there is always a wide range of talent and pricing and so make sure you contact a minimum of 3 companies and listen to what each one has to offer. And then, only after you are satisfied with your contact person, the company, their pricing and everything else associated with their service should you commit to working with them.

Tip - For options in finding the best debt relief options, check out the links below.