These Debt Resources Can Help If You’re Feeling Overwhelmed.

You don’t have to tackle your debt alone.

Sometimes your fall into debt can feel unavoidable—there’s a bill or fee you have to pay, or you know you need to cover your utilities before you attack your credit card payments and you can only pay one. That moment can lead to a growing pile of debt. You can find ways out (see our article on debt terms or this guide to debt tools and apps). But if you feel so mired in debt that you can't handle it on your own, don't despair: there are plenty of other resources. Huntington bankers often work with customers to help them navigate a financial situation that might feel overwhelming. Or, you can work with a credit or debt counselor to set up a debt repayment plan. See below for a list of some of the places and organizations designed to offer help to people in debt.

• Visit the National Foundation for Credit Counseling for help finding a debt counselor.
• Consider the programs available for active members, veterans and their families if you or your partner are in the military.
• Check your local public library, which may offer credit counseling services. An internet search will reveal if there’s one near you.

One caution: Just because a credit or debt counseling service is a nonprofit doesn’t mean it’s trustworthy. The Federal Trade Commission offers guidelines on finding reputable debt counselors. Before moving ahead with a counselor, check with the Department of Justice or your local consumer protection agency to see if any complaints have been lodged against the counselor or service.