Every year saving money & getting out of debt are two of the most popular New Year's Resolutions. Which means that it's open season for companies offering debt relief!

So if you're one of the many who will be looking for help paying off your debt, BEWARE! Because it is so easy to get ripped off when looking for help. You'll see ads on TV making bold promises about cutting your balance by 50%. You'll see ads in magazines & newspaper telling you how easy it is to get out of debt faster than you ever thought possible. Well, I have 12 words of advice for you:

If it sounds too good to be true then it probably is!

Sure, most companies that offer debt relief are honest and legitimate. But not all of them are. And even those that are not entirely "scams" don't always tell you the whole truth and nothing but the truth. They just tell you enough to get you hooked. So watch out!

How do you avoid getting ripped off by an unethical company?

Here are a few of the warning signs:

1. They don't ask you many questions. Why not? Because they don't want to waste time. They want you to sign up, and get started. Even if the solution they offer is NOT the right one for you.
2. They don't give you many answers. See #1 above.
3. They ask you to sign up for their company BEFORE seeing if it is the right solution for you. Big mistake. There are several different kinds of debt relief out there. And not all of them are right for you.
4. They want a commitment from you ASAP. See #1 above.
5. They make getting out of debt sound SO easy. Probably one of the most dangerous signs. Getting out of debt is not a complicated concept. But changing your spending habits, and paying off years of debts, takes work.

Wow, sounds pretty scary doesn't it? Well, it doesn't have to be. All you need to do is know what to look for, and know which questions to ask, and you can lower your risk of getting ripped off by quite a bit!

Here's how to get the information you need to know. And it won't cost you a cent. Get yourself a copy of my free report "The Truth About Debt Relief Programs That They DON'T Want You To Know About". And read if carefully. You'll learn several tips for finding the RIGHT type of debt relief company - and a few lessons on how to avoid the WRONG type of debt relief company.

Even if you're looking to fix your own financial problems without any help, you'll still learn a thing or two.