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The United States is in a deep hole at the moment.Because of over-spending, Americaas a nation is very much in debt. A large number of Americans are just as badlyin debt, mostly due to over spending on credit cards. The idea of a credit cardis a great thing. If, you don't have the money to pay for something at themoment, you can charge on the credit card and then pay them back when you doget the money, with a little interest on the side of course.The problem is though, is what happens when you lose yourjob and are unable to pay the bills because you have no income? Or what if somepeople are merely irresponsible and spend far more than they can afford? That'swhen things start to get sticky.Benefitsare AppealingFor those who owe money to numerous sources, and owe asubstantial amount, there is the option of debt consolidation. A debtconsolidation firm is a company that takes over all the debt, and negotiateswith the former debtors to bring down the amount the person owes. This way theperson owes less money, and makes payments to the debt consolidation companyalone. However, the firm also charges a fee, one that can be rather expensive.BuyerBewareFor someone who is deep in debt with nowhere else to go, thiscould be a good option, however there are many who are calling out debtconsolidation companies as scammers. Some people, who were promised suchservices, instead werestiffed. In one case a couple paid $1,000 to have their debtreduced, but they received no services in return.However RobertLinderman, general counsel for Freedom Debt Relief, California's largestdebt-settlement company, claims that debt consolidation companies arelegitimate. Whether their customers come to them or they find customers throughdebt settlement leads, he says that they get a good service from mostcompanies, sometimes paying only 40 cents to each dollar. Linderman goes on toexplain that a few rogue groups have tarnished the image of the industry,leading to the idea that people need to be careful about which companies theytrust. Either way, debt settlement can be a good thing if donecorrectly and professionally. However, one can only hope that after needing toturn to such a service, that a person will learn their lesson about credit carddebt and overspending.
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