Tweet^^^ Those commercials are from debt settlement companies not actually the government and debt settlment companies are a rip off. I used to be a debt collector, well for about three months, the job sucked. Debt settlement companies can't do anything more or less than calling up yourself on your own debt nd trying to settle it on your own. The only difference is you are PAYING the debt settlment company to try to negotiate your debt down. Best bet is to do that on your own and not pay someone to do that.