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Unfortunately, there are scam artists out there today who promised to eliminate your debt for a fraction of what you owe. But the schemes don’t work and are often illegal. In the end you may be left with paying hefty fees without any relief. If you are suffering from out-of-control debt, contact an attorney to determine what debt relief options may be available to you, including foreclosure, bankruptcy, debt modification or other solutions. While the certified credit counselor may be able to advise you about certain matters, an attorney is really the only professional in a position to advise you about what rights you have and what legal options would be best for your situation.