Ever hear of indentured servitude? It’s a historical concept that means you work for free to pay off some sort of obligation. That’s probably how you feel if you are only able to make the minimum payments on your credit cards.

There are millions of Americans who need credit card debt help now more than ever.

With more than $2 trillion of revolving consumer debt, and more than $60 billion of credit card debt getting “charged off” as uncollectible every year, the magnitude of the credit card debt epidemic keeps growing.

So what can you do and where should you turn to get credit card debt help? Looking in the mirror is a good place to start.

The first thing you should do is a gut-check. Figure out how much of your money is going to interest and fees and then decide if you are comfortable with that amount, or if now is the time to get credit card debt help.

The next step is to do some serious budgeting and cash flow analysis. Sit down and review your expenses, dividing them into buckets to help you understand where your money is going.

If you need a free tool to help you budget, look no further than the personal financial guide, found online at www.bills.com/guide. If more money is going out the door than coming in, and you’re carrying credit card debt, now may be the time to seek credit card debt help.

If you decide you are in need of credit card debt help, you should seek professional counseling. This means you must understand your needs and then find the solution that fits best for you. Is it more important to save the most money, to get the lowest payment or to preserve your credit score?

Since no one program is best for everyone, shop around and do your homework. Once you determine which solution is best for you, find a reputable provider or debt help company, which can provide the credit card debt help you need.

Bills.com can help you through its pre-qualified providers available through the Savings Center, or you can seek personal referrals or find another provider online.

Since many companies offer different types of credit card debt help, it’s important for you to find a good one. Choose a firm that is rated with the Better Business Bureau and that has a long history of helping consumers. Make sure things like education and counseling come without a charge, and make sure you trust the debt councilors.

It’s rarely fun to go out seeking credit card debt help, but it may be the first step to gaining financial independence and to losing the shackles of credit card debt that can make you feel like an indentured servant to your creditors.

Call (800) 950-0036, or go online to www.Bills.com, for more information.