Debt Group America understands how difficult it can be to seek help. It takes a lot of courage to face your debt and overall financial problems. And it's not just overspenders who seek out services. Debt Group America see's cases in which a person has had a serious illness, and a lot of elderly people that have recently retired and started charging their medications on their credit card.

Debt Group America provides America's most legitimate service that pair's each client with a credit counselor who provides financial education and the tools to develop a budget, one that includes a debt-repayment plan. Our plans require clients to deposit money each month with the counseling service, which then distributes payment to the creditors, who may or may not offer reduced interests rates or fee reductions.

Other companies are less up-front, charging hidden fees or offering bankruptcy disguised as debt relief. (Bankruptcy is generally considered to be the solution of last resort because of its long-term effects. A bankruptcy stays on a credit report for 10 years, and can make it difficult to obtain credit, buy a home or get life insurance. Despite these consequences, more than 1.6 million personal bankruptcies were filed in 2007 alone, the largest number ever. According to the U.S. courts, filings increased 7.4 percent from 2002 and almost 100 percent since 1994).

Financial health isn't entirely about dollars and cents; emotion also plays a part, at Debt Group America we take our clients confidentiality into the upmost account. Many people seem to over acquire possessions. Others find that shopping -- on the Internet, off the television, or in the mall -- can give them a high or calm them down when they are in distress. The downside is that once those good feelings have gone away, the debt remains, it's Debt Group America's sole responsibility and mission to positively impact our clients financial situation by utilizing every resource within our legal limits.