If you are struggling with credit card debt, there may be help. Major credit-card companies have launched a Web site and toll-free number for consumers dealing with daunting balances.

The “Help With My Credit” campaign comes as the companies deal with mounting losses from defaults on credit-card payments. The venture is being backed by Citigroup, Discover Financial Services, Capital One Financial, Bank of America, Visa and MasterCard.

“We want to make sure people understand the assistance and options that are available,” said Joe Ganley, a spokesman for Help With My Credit.

The Web site is: www.helpwithmycredit.org.

Callers to the toll-free number, 866-941-1030, will be given two options.

The first is to be transferred to a customer-service representative at their card issuer. This will help bypass confusing phone trees and connect callers with the right person, Ganley said.

For more complicated cases involving multiple credit cards, callers will be referred to local credit counselors.

Depending on the person’s situation and the bank, callers might be able to negotiate lower fees, extended payment plans or other agreements, Ganley said. Such options already exist, but the Help With My Credit campaign is intended make more consumers aware of them.

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