It is an unfortunate fact of life that many Floridians seek help from sham credit counseling and credit repair companies, many of which promise to help consumers with their credit debt but end up taking their money and doing nothing.  Ads for such companies increase during this time of year as people sink deeper into debt trying to pay for holiday presents and parties. If you're thinking of using one of these companies, here are a few things to look for: 1)Paying for services up front before … [Read more...]