 My name's Bob. Hi, Bob. I see this ad on TV says I can reduce my debt by 50%. I call. They told me to stop paying my bills, stop talking to my creditors. They'd take care of everything. I gave them thousands, but most of it went to their fees. Getting out of debt is neither quick nor easy. There are those who will tell you anything to win your trust. I'm more in debt now because the fees and interest in my cards kept piling up. Talk to your creditors directly or to find a nonprofit agency near you. Visit DebtAdvice.org. This has been a public service message.