 Hi, my name's Bob. Hi, Bob. So I see this ad on TV. It says I can reduce my debt by 50%. So I call. They told me to stop paying my bills, stop talking to my creditors. It didn't seem right, but they said they'd take care of everything. I gave them thousands of dollars, 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 just to win your trust.