I know you’ve seen the television commercial and heard the radio announcements about debt settlement. In fact, it’s hard NOT to run across these ads at some point during the day or night.

“Do you have more than $10,000 in credit card debt? If so, you MAY qualify to have your credit card bills CUT IN HALF! Hurry and call 800-bla-blah and take advantage of this limited time government program that lets consumers stick it to the credit card companies … “