Every day, listening to the radio, we hear scam after scam regarding "tax workouts" and "credit card settlements", among other debt related scams. What so many of these companies do is to offer "amazing settlement negotiations" with your creditors, cutting principal and interest. What they ACTUALLY do is pay themselves first, exorbitant amounts of fees, before ever picking up the phone (if they ever do). We can't count the number of people who have visited our office after paying thousands of dollars to these companies, believing they were paying down their debts, only to discover that the companies had been padding their pockets and haven't worked out a thing. Tips to avoid scams: If it sounds too good to be true, it is. If the company is holding themselves out as a law firm, but they don't have a lawyer's name in the title, they are probably NOT a law firm. (example - Manning and Mouratides = real law firm. Debt help LLC, Law Panthers, Light Law, Debt savers, Tax Law Indiana = NOT law firms. ) Read anything you sign, especially the fine print. Only use businesses that have a brick-and-mortar store. Online businesses can easily scam you, and you'll have a hard time finding them to dispute any wrongful actions or charges. If you think you might need a lawyer, you probably do. Call us, we offer free consultations and will give you all of your options so you can make an educated decision and avoid scams.