I've done my best to stay within my budget. Is there anyone who can help?

If you aren't disciplined enough to create a workable budget and stick to it, can't work out a repayment plan with your creditors, or can't keep track of mounting bills, consider contacting a credit counseling service. Your creditors may be willing to accept reduced payments if you enter a debt repayment plan with a reputable organization.

For more information on Credit Counseling Services see Credit Counseling.