In order to pay off bills , one must talk to their credit card company and lower the debt. This is not hard and the companies would help because there are cases when they get nothing at all. If this is not agreed by them, then there are chances also to threaten them telling them that there would be a transfer of the balance elsewhere. If one wants to reduce credit card debt then the best thing that could be done is to transfer the balance to a different company that would have lower interests than the ones that are currently prevailing. One could tide over the debt crisis by getting free debt consolidation advice. There are many options for ones looking for debt consolidation advice. But if there is some help expected other than the advice alone then one has to pay some fee. There are many organizations that offer free debt consolidation advice .