With Americans struggling to pay back loans on credit cards and to banks, like you, they are also desperately looking for some form of debt relief.
However, you will not have to look far as the likes of settlement companies can be found not just in the big cities, but almost in every town in every state of the Union.
One way of going about finding the right sort of help would be to go online where you are bound to come out with the relevant information.
The Internet lists out debt settlement companies as well as debt relief networks, which would be your first point of contact before finding the settlement company to suit your needs.
Many of the bigger firms have offices or representatives in every state while there are many local outfits too, more than likely operating in the city or town you live in.
You can also go to your local chamber of commerce to find debt relief programs in your state.
They are more than likely to have a listing of settlement companies who can help you out and possibly could provide a recommendation as well.
You could always go without fear of embarrassment to your relatives, friends or colleagues to find out about debt relief and they would be more than willing to give you a hand, having been in the same boat themselves at some time or the other.
Because of President Barack Obama's keen desire to help out American consumers, state authorities are now willing to help too and are doing everything they can to assist people to come out of their financial problems.
Local government officials or departments would also have at least some knowledge on where to go to get debt relief.
However, the best bet is perhaps the Internet, which gives you all the information you require at one go.
You can check things out for yourself from home and the prospects are excellent that you will come up with the help you need.