I sometimes wonder if having too much choices of debt relief actually cause more people to be in debts? Are they going to spend more when they know they can always get out of trouble because there are help around.
I guess many people do not intend to get into financial problems but are tossed there because of circumstances beyond their control. I am sure some of us have gone through financial difficulties and with no one to turn to, no relative to help us, we have to find Debt Relief eventhough it comes with an interest.
At the end of it, one has to make sure that they work harder, save more and hope to clear their debts forever. One should avoid chalking up high credit card bills until they need Credit Card Consolidation.
It is a matter of discipline. Some have it, some don't.