With rising costs and economic uncertainty, many of us are looking to start the new year by taking more control of our finances and tackling lingering debt. But paying down what you owe takes time, discipline, and a clear plan—not quick fixes. Be cautious of offers that promise guaranteed results or fast debt elimination. 

Scammers often target consumers with significant credit card debt, claiming they can negotiate with creditors to reduce what you owe. These operations typically charge hefty fees and deliver little—or no—help. Some even advise you to stop communicating with your creditors, which can make your situation worse. 

If you or a loved one need help getting out of debt, turn to reputable organizations like the nonprofit National Foundation for Credit Counseling (www.nfcc.org). They can offer real guidance without hidden fees or false guarantees. 

Learn how to spot and avoid scams with AARP Fraud Watch Network™. Suspect a scam? Call our free helpline at 877-908-3360 and talk to one of our fraud specialists about what to do next. 

Need a scam prevention speaker for your group? send an email to me@aarp.org.