Advertisements for Debt Relief are coming to us from every angle. We hear them on the radio, see them on television, and on posters and newspaper ads. In fact, they are becoming just as overwhelming as the debt ratio most consumers are now facing. This episode will explain how the debt relief and debt management companies work, the services they may offer, and the potential risks to your credit, if you don't understand what you may be getting yourself into. Know that what they claim they can do for you, you can do yourself. So before you sign up on their website or call their toll-free number, listen to this episode so that you can make an informed decision based on what is best for you, your finances and credit. And please, don't forget to subscribe and tell your family and friends about this informative podcast. Remember that "Education is the Best Prevention!"Here are the links I reference in this episode:https://www.ftc.gov/news-events/news/press-releases/2023/08/ftc-doj-send-more-9-million-refunds-people-who-lost-money-student-loan-debt-relief-scheme?utm_source=govdeliveryhttps://www.consumerfinance.gov/about-us/newsroom/cfpb-reaches-multibillion-dollar-settlement-with-credit-repair-conglomerate/https://consumer.gov/sites/default/files/pdf-1020-make-budget-worksheet_form.pdf~Milagros~

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