It can be tempting to believe someone telling you they will save you or make you money, but the sad truth is we live in a world of scams that are ever increasing in their sophistication and reach.  In this episode we take an in-depth look at credit card consolidation companies and help you to determine if they are actually working for your benefit or if they just want to take your money and run. We also talk about student loan debt solutions, and questions you should ask if thinking about getting involved in a multi-level marketing company.