Companies are coming out of the wood work that are claiming they can provide debt help. This is great news since the average person reportedly has over $8000 in credit card debt alone. Anyone who purchased a home or refinanced it to the hilt in the 2004-2006 is probably upside down right now. Unemployment records are at an all time high, and people have taken significant pay cuts just to keep their jobs. So if there was ever a time for debt help, the time is now. If you are in that situation then it might be something you want to consider right away.