This is the second type of the debt help services, which is not as popular as that of the non profit based debt help services. But these help service will be required in certain cases where there will be no solution being provided by the non profit based help services. The professional debt counselors will be working in the best interest of the person to develop the best debt reduction process that will be able to reduce the debt to the expected level from the person. But proper care and awareness should be emphasized to protect from the various kinds of the fraudulent service which are running all over the country. The best help service should be selected based on the reputation and also the experience of the service agencies in this field. If you are exploring the possible answers for the question when to settle credit card debt, then it is better to consider the various debts you are possessing in details and tell them to the help service agencies in detail. To consolidate credit cards the various factors to be considered are the debt level, interest rates, the efficiency of the service and many more factors that affects this process.