Everywhere you look today someone is advertising debt advice so it is very difficult to know who to trust or turn to.

Some of these debt advice companies are actually well meaning, but obviously they are also in business to make a profit and you would do well to remember that before agreeing to deal with them. Other companies seem to have sprung up almost overnight simply in order to take advantage of the unwary families that are suffering severe debt problems.

So what should you look out for when looking at these companies? Here are some things to consider...

1) When was this company first set up? - Although not always the case, a new business may have been set up quickly in order to take advantage of the thousands of people now suffering debt problems.

2) Do the 'testimonials' from so-called happy customers ring true? - Often there can be small print that states that the photo's of these people are for demonstration purposes only.

3) Is the company asking you to pay up front for their services and debt advice? - If this happens you need to be very aware.

4) What does the small print have to say about any future charges for services offered? - I am sure you do not want to have to fork out any more cash?

5) Are you being asked to supply sensitive information such as your bank account details or your credit card information? - This ought to set the alarm bells ringing!

6) Is the company a registered charity because they are often funded by donations and they usually offer advice for debt problems without any charge, but do ask first.

Never be afraid to ask for advice in dealing with debt problems but do not pay anything up-front or give your account details to someone who simply asks for it.

When we are weighed down with stress and worry from our finances it is so easy to let our guard down. We are tired and weary and not thinking straight. Just the time when we need to be really on our guard so we do not fall foul of the con men. Please be careful as it is so easy to become a victim of poor advice when dealing with debt.