Red flags Be careful. Fees up front for debt relief. Payday loan rollovers. Calls threatening arrest. Promises to erase debt quickly. Related steps in this guideAvoid costly trapsSome options make things worse.GlossaryWhen to get professional helpGet help in these cases.Where to escalate if you get nowhereIf the business or person does not fix the problem, there are usually outside places to turn. Which one fits depends on the issue and where you live.