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In today's newsletter...

I've been hearing from more and more unfortunate victims of scams the last few months. Today I want to share a couple of shady tactics with you in hopes of keeping even just one BizWeb eGazette subscriber from falling prey.

First a quick message from today's top sponsor (this one is a long-time, trusted advertiser, so take a look at their great offer...)

OK, let's jump right in...

This first one really makes me sick. And there are countless companies raking it in with this scheme, due to the current economic conditions.

Is Debt Settlement a Scam?

With millions of people out of work, it's understandable that many folks need help managing their debt. If you find yourself with more debt than you can handle, be VERY careful who you turn to for help.

Be particularly careful when considering "debt settlement". In fact, promise me you'll watch this video before you contact any debt related companies, whether you find them on the web, through a mailed offer or even advertised on radio or television.

(This video explains how many "debt help" companies make big bucks at your expense.)

I hope this video opened your eyes to what's going in the consumer debt space. And this is just ONE example of how you can be taken advantage of.

Another I became aware of this week is a national radio spot offering a free CD promising to wipe out your debt. All you pay is the shipping. But instead of help, unsuspecting consumers have been getting long sales pitches over the phone for 'debt coaching services'. Some have even reported finding new charges on their credit cards for thousands of dollars!

It's a jungle out there folks. Don't get involved with any "debt solution" company unless you fully investigate them with the BBB, with ripoffreport.com and with your local attorney generals office.

A better strategy altogether, is this... instead of trusting an unknown company to handle your debts, no matter how complicated they may seem, try to handle the situation yourself.

If you're not sure where to start, you can start by contacting creditors directly and explaining the situation. Or, if you're not comfortable with that, simply contact the National Foundation for Credit Counseling at http://nfcc.org. Their network of Certified Consumer Credit Counselors work with you to offer real solutions to your debt problems.