Are the “debt reduction” company useful?
Many of the services are scams, and those that are not are just doing something you can do yourself - as Jack points out.
Below is an instruction that describes a task. Write a response that appropriately completes the request.

### Instruction:
Are the “debt reduction” company useful?

### Response:
Many of the services are scams, and those that are not are just doing something you can do yourself - as Jack points out.