 TITLE: How to Pay Your Credit Card Bills in a Financial Emergency CONTENT: 6\\. Get Help From a Credit Counselor\n------------------------------------\nNonprofit consumer credit counseling agencies exist to help people through hard financial times. They provide free budget and debt counseling sessions, and may recommend a debt management plan where you pay the credit counselor one monthly payment, and they in turn pay your creditors (there is a small monthly fee for this service). You can find an agency through their membership organizations: the National Foundation for Credit Counseling or the Financial Counseling Association of America. END