Ads "Don't Pay"

There are numerous ads that say they can reduce your debt by 60-90%.  What happened to actually paying what is owed?

There are ads telling people that they can reduce the amount owed to the IRS (read US Government).  There are other ads telling us how the credit card companies are keeping us in debt, so they will reduce the amount owed.

Other ads tell that we can get what we "deserve."  Meaning a new car, new TV's or whatever.  That people "deserve" the great life, not because they worked for it but because they exist.

I pay my bills, I pay my taxes (though reluctantly), I save for my large purchases.  I use our credit cards to pay for food, necessities, etc..  The credit card companies are not forcing me into debt, i.e., I pay my card off completely when it is due.  The advantages are that I don't have to carry a lot of cash with me, I get a compiled list of my purchases each month (which I check against my receipts), & there is a rebate after a certain level of purchases.

All the people who take advantage of the above ads are raising the taxes, credit card rates, etc. for the rest of us, the conscientious.  I believe in paying for what I get, there really is no free lunch, you or someone else pays for it.  The stimulus bill will be paid by our kids, grandkids, great-grandkids, etc..

advertisement (n) a notice or announcement in a public medium promoting a product, service, or event or publicizing a job vacancy : advertisements for alcoholic drinks | we received only two replies to our advertisement. • ( advertisement for) informal a person or thing regarded as a means of recommending something : unhappy clients are not a good advertisement for the company. • archaic a notice to readers in a book