Smartmoney.com: Debt Management: Help! I'm Drowning in Debt

Smartmoney.com: Debt Management: Help! I'm Drowning in Debt: "Most Americans can't just flip open a checkbook and wipe out $18,000 worth of unpaid bills. But plenty of reputable organizations are out there willing to help you negotiate a manageable schedule to repay your debts and to see where you've been overspending. Unfortunately, there are some not-so-honorable companies as well � ones hoping to profit from your desperation and employing high-pressure sales tactics to get you to sign with them. Many offer little more than a quick road to bankruptcy court, which should always be a last resort. "