 TITLE: What to Do When You Max Out Your Credit Cards CONTENT: Consider Credit Counseling\n--------------------------\nIf you're having trouble planning your repayment on your own, consider finding a credit counselor to help you craft a plan. A credit counselor is someone who will help you plan your repayment and help you stay accountable for following through. Your credit counselor may recommend a debt management plan, a more formalized debt payment strategy which can be a helpful alternative to tackle mounting debt. END