salmonella. it usual -- settlement. it usually take as year and during this time you won't actually be paying your creditors. that's where you can get into trouble. you risk piling up interest and penalty charges, getting dragged into court or your wages can be garnished. >> ines, let's get to the nuts and bolts of this. what do people need to be aware of? >> here are red flags. high up front fees, promises that your debt can be cut in half. claims that it's fast, easy and painless. if you must work with a debt settlement company, check them out first with the better business bureau or call creditors directly. you can go to a legitimate credit counseling service that can help you work out a payment plan. check out nfcc.org. if you have questions, send them to us at cnnhelpdesk@cnn.com. >> love it. we are following every development in the times square attempted bombing.