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Everyone needs help from time to time and the smart consumer knows when it's time to send out a financial SOS. Whether you turn to family, friends or professionals, the important thing is to seek aid before the ship goes down.

Managing your debt
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Getting Help

Who to turn to 15 signs you need debt-reduction help -- These signals let you know it's time to call in a financial fitness expert.

Falling behind? Call your mortgage lender -- If a job loss or other financial crisis hits, don't hide from your mortgage company. Most would rather work with you than foreclose.

What to look for How to pick a credit counseling firm -- You're going to be letting them handle your money. Choose wisely.

What to ask a credit counselor -- It's a big decision, so make sure you ask the right questions before you sign up.

Do I need professional debt help? -- Our experts examine the most frequently asked questions such as when you need it and how to find it.

Advance fee scams: The big con -- Vulnerable consumers are falling prey to Canadian con artists promising loans to pay off debts and rebuild credit.

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