Many Americans are able to sit down at their kitchen table, come up with a plan to get out of debt and come up with a plan to gain control of their finances, implement those plans, and then see success. On that same note, there are many more individuals who find the entire process of handling their finances themselves to be too much. Is this you? Here are some signs that you might need to seek debt relief or personal finance help.If you don’t owe a little bit of money to the credit card companies, but rather a lot of money you can benefit from seeking professional debt help. A massive amount of debt is a lot to deal with on your own; it is stressful, frustrating, and overwhelming. The good news is that with professional help, that massive debt of yours can be reduced. One of the best forms of debt help for those who owe a lot more than they can pay is settlement. The process gets a percentage of what you owe eliminated; therefore, you owe less!If you have tried to dig yourself out of debt yourself and haven’t seen the results you originally wanted, you can benefit from seeking professional help. It is never too late to seek professional help. Lets say that you negotiated with your creditors and got them to eliminate 30% of your debt. You made payments for a few months and then realized that it wasn’t enough (you still had a lot of debt). A professional can come in and either consolidate your bills or work to get you a better settlement.If you don’t seem to be able to put a good dent in your debt because you can only pay X amount of dollars a month (and that amount isn’t high), you can benefit from seeking personal finance help. One key to seeing debt relief is to cut your spending greatly. The goal is use any money that you do save to payoff your massive debt. This is simple logic; the more you pay, the quicker you get out of debt. Unfortunately, it can be hard to limit your spending because we have developed habits over the years. If you find it difficult, call upon a professional credit counselor or financial advisor.Finally, if you are in debt and seeking relief not for the first time, but for the second time it is time to make some changes. If you completed a debt relief program three years ago and need to enter one again, it is time to realize that you have a problem. This problem might involve bad credit card use; it might involve improper spending, and so forth. Don’t just use a professional debt company to get out of debt, but also use a financial advisor to ensure you don’t keep repeating the same mistakes.