A reader asks…

I am about 8 grand in debt, and need to pull myself out asap. Anyone have any ideas? Do debt counselors or debt relief companies really help?

A reader asks…

My 21 year old son wants to buy a home theater system using a Visa card and he has no intention of paying it back. He’s says that it’s OK because debt relief companies that advertise on shows like Hannity and Rush will fix it for you. It seems to me that someone has to pay for it in the end, but I know that Rush and Hannity would never advocate anything unethical.

A reader asks…

How do they proper? Is what they do legal and does it really stop collection calls? What if a person is already in a payment program where they have access to your checking account and you turn your debts over to a debt relief company? What is the procedures. Is using a debt relief really worth it to get out of debt?