The New York Times had an important front page story yesterday in regard to debt modification or debt settlement agencies. These for profit companies take large fees upfront while making extravagant promises as to what they can do for you.  Most of the time, people end up being sued for their debts or foreclosure and end up with nothing for the fees and aggravation.  A licensed attorney can help you with defending against lawsuits, negotiating settlements or a bankruptcy filing. Contrary to what the radio advertisements say, bankruptcy is a good option for many people in trouble with their credit card debts. Mortgage modifications are virtually impossible to accomplish no matter what people are promising. Please call me at 201-289-5352 to set up a free consultation. Don't fall prey to outlaws. Debt settlement agencies are illegal in the State of New Jersey unless they are non-profit and essentially offering their services free.