Whether a person gets the right debt solution will depend heavily upon their own level of knowledge and general intelligence. There is a tendency to want to believe the first answer you hear as debt problems can be so overwhelming.

Some solutions only help in the short term and have no real effect on debt levels in the longer term. There are so many people who have been paying into a debt management plans for 5 years only for the amount they owe to be more-or-less the same as when they started out because of the charges they are paying. If they had attained an Individual Voluntary Arrangement (IVA) they would have been debt free by now.

As individual companies focus on what they are selling the best, debt solution isn't always tendered to the client. The company makes their money, but the customer's debt problems continue until the right solution is identified and the condition of this met. Seek the advice and do your own research before settling for any solution, as then the only person you can blame is yourself.