If so, you're not alone.
Consumer debt is at an all time high.
These ads offer the promise of debt relief, but fail to mention that the relief being offered is usually bankruptcy. While bankruptcy is one option to deal with financial problems, it's usually considered a last resort. By federal law, a bankruptcy stays on your credit report for 10 years, making it difficult for you to obtain credit in the future. By using the protection and assistance provided by federal law. You'll find out later that phrases such as these often involve bankruptcy proceedings, which can damage your credit and cost you legal fees.