Especially the high cost of raising babies!

During the high-flying home-buying days, companies sprung up overnight to "help" people buy homes. Many of those companies were scam artists or simply incompetent, and the customers paid the price.

Now that we're in financial trouble, companies that promise to help you deal with debt are springing up, too, and many of them, too, are scam artists or simply incompetent. So when you decide to get help dealing with your debt, make sure it's with a company that knows what they're doing and aren't out just to rip you off. Make sure it's DebtGuru.com.

DebtGuru.com is the site run by the American Credit Foundation, which is a not-for-profit company that provides consumer credit counseling. They've been around since 1994 nd their goal is to develop a workable debt management program that helps you get out of debt quickly and legally.

You can take advantage of their free debt consolidation quotes and advice by going to their site, where you can skim the self-help articles, learn what options you have to avoid bankruptcy and work with them to develop your program, all online and all in the comfort of your own home.

Their company is registered and certified ISO 9001:2000 and is independently audited and certified, which is why they can offer the types of debt consolidation programs that draw the glowing testimonials posted on their site, testimonials from people like you who have debts they can't handle without help, and who got that help from American Credit Foundation through DebtGuru.com.

Home repair bills, costs of car repairs, the high cost of raising babies -- these are all the things that led you and me and all of us into debt. DebtGuru.com is the safe way to get back out.