Debt-relief business generate a lot of complaints.

According to the Wall Street Journal citing federal and state regulators, most of the companies that promises to help people settle their credit cards debts for less, do not deliver. The Federal Trade Commission has seen such increase in complaints that it held a workshop last month on the issue and some states attorney general are pushing for more oversight .The debt settlements companies have gotten such a bad reputation that some credit cards companies like American Express say they won't even work with them the Wall Street Journal said.

For more, see WSJ.com