To Reduce Your Outstanding Debt?

Q: There seems to be a plethora of ads on TV/radio these days offering tax relief-reduction for those who've fallen behind in their payments to the IRS. What's up with that? Why especially do some slackers (I know..I know...there are exceptions) deserve to cut a deal and get away with paying less when the rest of us bust our collective asses to pay what we're supposed to? What about these debt-relief schemes? Why is it that there are so many of these **SNORT** **CHUCKLE** non-profit groups that claim to be able to reduce your outstanding debt. Why do they claim it's so easy? Do any have a proven record of success? Do they do what they claim? Has anyone here utilized either of these services and willing to comment on their good/bad points?

A: > There seems to be a plethora of ads on TV/radio these days offering tax > relief-reduction for those who've fallen behind in their payments to > the IRS. What's up with that? Why especially do some slackers (I > know..I know...there are exceptions) deserve to cut a deal and get away > with paying less when the rest of us bust our collective asses to pay > what we're supposed to? You assume that they actually deliver on this promised relief. > What about these debt-relief schemes? Why is it that there are so many > of these **SNORT**

**CHUCKLE** non-profit groups that claim to be able > to reduce your outstanding debt. Why do they claim it's so easy? Do > any have a proven record of success? Do they do what they claim? Further fleecing of desperate suckers. > Has anyone here utilized either of these services and willing to > comment on their good/bad points? No but there was an article I read somewhere (WSJ?) a few years ago about how the legitimate credit counseling agencies were calling for an overall crackdown on their industry because it was being invaded by these scam artist nonprofits, which IIRC were pretty much set up to steer business to related for-profit service corporations.