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Last night as my wife and I were enjoying the kick off of a new season of Law & Order, I commented to her how satisfying it was not to have to listen to any more political ads for a while.

A bit later, I saw one of those ads by a company promising to help customers avoid having to pay their credit card debt. They promise to reduce the amount you pay back by half or more. There are other commercials trying to attract folks who owe big tax bills, promising to settle their debt at perhaps a seventy per cent reduction.