There are a lot of companies that want to help you get out of your credit troubles. It can be so easy to put your faith in something, hopeful once again that you will get everything right side up again. But if you are in a bad debt situation, you should watch out for those looking to take advantage of you.

Credit-related scams account for three of the top four categories of fraud, according to the Federal Trade Commission. Americans fall victim every day to credit scams. Nearly 25 million adults were victims of fraud from May 2002 to May 2003. That is equal to 11.2% of the country