I don’t know about you, but I get daily robocalls on my cellphone.  Most of my friends do too.  Some get text messages telling them they’ve won something, some get voice mails telling them they’re in trouble with the ‘IRS’ or ‘the bank’ and they need to buy some kind

So if you haven’t seen these ads, commercials, pop-ups or other propaganda saying something like “We can fix your credit today” or “Bankruptcies, tax liens, removed” you must be living under a rock. It is so tempting to sign up for these services and give yourself the fresh start you