Debt review/ counselor/Debt Rescue

These pop-up adverts saying you reduce your monthly repayments to your creditors are the biggest joke you ever see. They pay very little to your creditors which means you forever indebted and your name will be under debt review meaning you won't get any credit anywhere else. Worst thing is you can't terminate this until you pay all the creditors you owe. And these so called debt counselors then start showing you their true colours. There seem to be very little or limited regulatory framework and you have to engage legal people to get out of this mess. Be warned before you get ensnared