Which Debt Relief Service is Not a Scam?


Dear Steve,

I have between $15-20,000 in credit card debt. Creditors are NOT harassing me, as I make my payments, but many are minimum. My credit score is in the high 600’s, which isn’t terrible, but could be better. I would love to get out from under the debt. I get MANY letters about reducing my debt, but never know if they are for real.

Which debt relief service can I turn to that is accredited, real, not a scam????



Dear G,

You would not believe how difficult of a question that is. It’s not that there are not plenty of good or great debt relief companies out there, there are. The issue is the underlying issue(s) that led you to get so in debt. Unless you’ve addressed that, your situation, no matter what company you select, may not improve.

I would suggest you look at my get out of debt calculator for an idea how different solutions can address your situation.

But the absolute best way to get out of debt with the least “risk” would be to use the debt snowball approach to pay down your debt using someone you trust, you.

Using this approach will help you to dig out and improve your credit scores. Just keep your three oldest cards open after you pay them off.


You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.

Do you have a question you'd like to ask me for free? Go ahead and click here.

Damon Day - Pro Debt Coach

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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.
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