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Are the Commercials I See to Get Me Out of Debt, Legit? – Nicole

“Dear Steve,

I have recently been seeing commercials that report there are helps out there if you have more than 10,000.00 in credit card debt. I have just about that as well as all the normal bills most people have. Not sure how I let that happen but…anyway, are there options out there that really cut your debt like that or what is the best way to get these paid off ASAP?

Any advise will be appreciated.

Thank you,


Dear Nicole,

If you are not having problems making your monthly minimum payments but want to reduce your debt you could contact a credit counseling group for help and inquire about a debt management plan.

However, if you are struggling to make your monthly minimum payments then it would be better to seek the free advice of a local bankruptcy attorney and learn more about bankruptcy.

Do some legitimate debt relief companies advertise, yes, but for the most part the advertisements you see on television promising large debt reductions are not truthful and come from debt settlement companies that have a horrible record of telling the truth.

If you want some help checking out a particular company just post the company name in the comments section below and I’ll take a look at them for you.

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About Steve Rhode

Steve Rhode
Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.
  • westbury duke

    is this legit I have tried this before with other company and I lost.. But I sure could use the help if this is a good company I am tired of paying 29% interest

  • Kent

    First Security Mortgage Relief. Wondering if this company is good to work with for mortgage modification

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