Credit card debt is a mounting problem. These days, many people don't even carry around cash. They use plastic for everything. Unlike the past, it is now possible to use credit cards for just about every single purchase. With the Internet, there is an entirely new avenue for impulse buying and, as a result, credit card debts are on the rise.

It may not even be a case of frivolous spending. Costs are on the rise, while income is staying on the same level, so people can quickly go into debt just by paying for the bare necessities. Interest payments on credit cards are designed so that debts are never paid off--people pay off the minimum every month, meaning that very little of monthly payments goes to actual debt.

Because living off of credit cards is a new American way of life, credit card debt is a new way of life as well. People also tend to believe credit card debt always happens to someone else. "It could never happen to me," is what many people tell themselves when they hear stories about the average consumer's debt problem. Before they know it, they're $10,000 in debt, then it doubles, then it spirals out of control. You don't need to do a lot of excessive spending to reach these kinds of numbers.

You can think of DTS as the antidote to this system. There's another American pastime--haggling. That's where we come in. We can actually renegotiate your debt. When credit card companies are confronted, they have a tendency to quickly relent. We have a proven track record at being able to bring down your debt through intense negotiations.