Use caution with debt consolidation ads

We all know that banks have received a big government bailout. So have the Detroit automakers. But what about average citizens, suffering under credit card debt?

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1. Debt Consolidation Caution Urged
2. The Do-It-Yourself Debt Settlement. No Agency. No Fee.
3. Credit Card Debt Relief Bailout and Consolidation Explained
4. Debt Consolidation Advice: Helps you Cater the Repayments of Various Debts
5. I received a settlement from a wreck ,do i have repay my debt consolidation off first as I have been told?