Our job at DTS is not just to counsel you on your debt problems, but to help you do away with them entirely. People often don't read the fine print when applying for a credit card. Credit card companies try to lure you in with promises of a low APR and no balance transfer fees, but there is usually a lot more at stake.

For instance, did you know that your credit card company can raise the APR at their own discretion? Even if you make the monthly payment on time, your APR can go up. What this means is that you could be paying more towards the interest and less towards the actual debt, and your debt will continue to rise. Many people don't even read their bills from month to month, they just look at their monthly minimum and sign the check.

Even if you are deep in debt with one credit card company, you will still receive offers for new credit cards on a daily basis. People try to pay off credit cards with new credit cards and before they know it, they're even more deeply in debt. We have seen this over and over again. You start knee-deep in debt and in a very short period of time, you are in way over your head. For many people, credit card debt is a way of life, but it doesn't have to be that way.

We are more than a service that can remove or reduce your debt--we are consumer advocates. It is our job to fight the credit card companies that are in the business of creating debt for those people who can afford it the least. DTS is not just about saving you money; we're about giving you peace of mind. We're in the business of helping people, and we like what we do. Contact us to see what we can do for you.