Did you spend too much during the holidays?

If so, you certainly are not alone! January is usually the busiest month for the debt reduction industry, as people try to "dig out" after spending too much money on gifts, parties, and holiday fun!

So now it's time to get serious about your money. But it's also the time to BE CAREFUL - so you don't get ripped off! This guide will help you compare the debt reduction programs, and find the right option for your financial situation.

Free consumer guide to debt reduction programs

There are lots of choices out there for consumers. Which makes getting out of debt confusing for a lot of people.

Once you decide on the right program, then you need to research a company. And this is where it gets really hard. So make sure to do the following:

- ask lots of questions
- read the fine print
- check with the Better Business Bureau
- if it sounds too good to be true, it probably is!

Free consumer guide to debt reduction programs

Kris

If you're losing sleep over debt, and you're having trouble making ends meet every month, then take a look at this new video created by Mark Brinker, owner of the debt settlement firm Hoffman Brinker:

Free Video: How To Decide If Debt Settlement Is Right For You

With the holidays right around the corner, now is a great time to take charge of your finances! It's easy to think "well, I'll just wait until after the New Year, and then deal with all of my credit card debt."

Sound familiar? I can understand. Been there, done that.

So unless you're expecting a big lump of cash in your stocking this year, listen to what Mark has to say. Debt settlement isn't the right answer for everyone. But Hoffman Brinker is one of only 2 companies we recommend (http://www.debt-tips.com/debt.html). So if money is tight, watch the video, then decide for yourself:

Free Video: How To Decide If Debt Settlement Is Right For You

Kris

PS: If debt settlement is not right for you ... click here

One of the most common questions I get is "how do I know a debt settlement company won't rip me off?" or "how do I find a reputable debt settlement company?"

Hiring a debt settlement company is just like hiring any professional to do work for you - you need to do your "homework".

After all, you wouldn't hire a contractor to do work on your house without getting a few quotes and checking references, right?

Sadly, you hear many horror stories about debt settlement scams. In defense of the settlement services, I think many people jump into this process without really knowing how it works. And most people who say they were "ripped off" or "scammed" just didn't know exactly what they were getting into - and expected something more like "debt miracles" than debt settlement.

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The only thing worse than being in debt ... is having those annoying debt collectors calling you all the time.

Not only is it annoying, but if they call your employer, or your neighbors, it can be very embarrassing, too!

Sure, they're just doing their job. After all, you're the one who get into debt and got behind in your payments in the first place. So (unless there is a legitimate mistake) you do owe them money, and they have the right to try to get you to pay, right?

But how long can debt collectors try to get you to pay off an old debt?

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That's a question I get asked a lot. After all, there are lots of horror stories about this aggresive debt reduction strategy (that has become VERY popular with so many people in debt these days). It worked well for me, which is why I decided to share my experiences in the first place.

But I wonder - when you read about these unhappy customers, are the companies at fault? Or are their customers, who expect to get out of debt instantly after years of poor financial decisions?

The real problem is that many of these settlement companies don't educate their customers properly. Settling your debt is a lot different from credit counseling, which simply consolidates your debts and lowers your interest rates.

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