While it is entirely possible to do it on your own, it can be a daunting task to know where to start. One of the places you can turn for help is consumer credit counseling services.
(CCCS) are typically non-profit services funded by grants and this service exists to help you work through realistic solutions for your financial problems.
It can be worth the cost because it can not only be useful for people experiencing a financial crisis, but help educate people to ensure they avoid potential disasters.