When people get into debt, it is far too common that, within a few short months, they get bombarded by calls from credit card collections. For many people, that seemingly endless stream of phone calls can border on or transition entirely into…

The millions who deal with debt every year tend to have the same general story -- it started with only a couple purchases on a credit card or a single loan and, before they knew it, they owed hundreds of thousands of dollars to a list of businesses.…