At the time of dealing with heavy debts, there are instances where people turn to seek a debt consolidation or a home equity loan or a personal loan to roll up all the credit card loans into one, with a single low-interest balance transfer process. A lot of people turn to debt relief groups. These debt scams assure to reduce balances. They would usually charge an ‘up-front’ fee, which would take care of the accounts. They would then contact credit card companies and debtors. Finally they would claim that the financial companies were unable to negotiate. They then keep the hefty upfront fee, leaving the consumers at the same position.