If you watch TV you’ve probably seen the ads promising to help you get out of debt quickly and easily. But many of these companies are quick to sign you up, but are not quick to respond once they have you as a customer. So be careful.  Make sure you ask lots of questions and get everything in writing. And shop around and compare a few companies, so you know how they work. There’s a big difference between debt settlement, debt consolidation, and credit counseling. If you don’t know the difference before you sign up, you may end getting the wrong kind of debt relief. And that will only lead to a lot of stress and a bunch of headaches. Neither of which will help you achieve your goal of paying off your credit card bills. Need help getting out of debt? Many people think credit card debt settlement is a scam but it is not, in the right situation.