Avoid any credit card debt relief organization — whether it’s credit counseling, debt consolidation, or other service — that: fees any costs before it settles your debts or enters you as a DMP plan; pressures you to definitely make «voluntary efforts,» which will be actually another name for fees; touts a «new federal government program» to bail down individual credit debt; guarantees it may make your personal debt disappear completely; tells you to stop chatting with creditors, but doesn’t give an explanation for severe effects; informs you it could stop all commercial collection agency telephone calls and lawsuits; and guarantees that your particular un-secured debts are paid down for cents in the buck. (далее…)