It is truly a shame that the debt consolidation and debt settlement industry has gotten such a bad reputation. The actions of a few have made many turn away from what could be a valuable alternative to bankruptcy. There were, and still are, scam artists out there preying on those that are in financial crisis. However, if you know how to select a debt relief program wisely, you can get genuine help for your financial problems. 1. Your first step should be to check any company you are thinking of using out with the Better Business Bureau. This will be your first sign of trouble if any exists. If that…