Your credit card payments are out of control. You’re 30, 60, or maybe even 180 days late. Creditors are calling, interest is building, fees are mounting, and your stress is through the roof.
Then you see an ad for a company that can seemingly make it all go away—a company that'll finally get you some much-needed relief from your debt. The ad even makes it sound like this is your legal right, that your credit card companies are bullying you. The solution, of course, is their debt relief program.