The radio commercial from a company soliciting people who owe 10K or more to contact them to reduce their credit card debt to a fraction of what they owe. Making claims that credit card companies don't want them to know they have that right. The terms and rates are readily available for consumer to read. Nothing was hidden. No one forced people to take out cards and run up a huge debt, but now they want out of the agreement. Same for student loans. You agreed to the terms. Suck it up and pay it off.