We’ve all heard the advertisements: “Pay pennies on the dollar!” “Get out of debt fast!” “You’d be crazy not to do this!” I have always known that these services weren’t good, but I never knew why. Finding out has been on my To Do list for quite some time. Thankfully, Stacy Johnson at Wisebread has done the research for me. This article is fascinating and seems to hit on every aspect of debt settlement companies. I encourage you to read it and share what you learn with others.