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Beware of agencies that propose a debt management plan (DMP) without first finding out about your financial situation. If you have a complaint or concern about a company that you think has committed credit repair fraud, contact the Federal Trade Commission (FTC) toll-free at 877-FTC-HELP (382-4357).

In those cases, payments are made to the organization and they make your monthly payments to the credit card companies.

The CFPB recommends that you reach out to a nonprofit agency.

These agencies must comply with strict requirements that protect you as a consumer and offer additional services like help preparing a budget and courses to help you manage your debts and savings. The list is in English, but it shows which agencies offer services in both English and Spanish.

If you've been making payments on time, you may qualify for a credit card with low or no interest and transfer balances from your existing accounts to the new one.