Avoid late-night debt-plan pitches

It's no coincidence that debt-consolidation companies advertise late at night."If you're knee-deep in debt, there is a good chance you're not sleeping well either. And companies ready to prey on your vulnerabilities know it. Flip through the channels late at night and you're likely to see countless commercials for services eager to help you solve your debt problems. But before choosing a debt-management program on a whim, it's wise to be skeptical."