Some readers of our blog who face daunting financial challenges and are stressed over how to best confront them might want to consider some advice given by Steve Rhode.

Rhode is a financial contributor to various publications who prominently goes by the tag “Get Out of Debt Guy. We pass along a few points he recently made in a Huffington Post article regarding debt-relief companies.

Here’s one: don’t quickly succumb to the “magical” tone and hyped outcomes promised by such entities. They are, notes Rhode, “sales letters” and nothing more. What is pushing them is indeed a strong desire to promote best interests — but not yours.

After all, the business plans of such companies are narrowly based on extracting profit, which necessarily results in debtors being viewed as mere customers and not valued clients whose needs will be carefully attended to by seasoned debt-relief professionals.

In fact, stresses Rhode, the people a struggling debtor communicates with at many companies that promise things like debt eliminated for pennies on the dollar “are not financial experts or really debt experts” at all. Rather, they are salespeople whose take-home pay is based on commissions they earn by reeling in customers while “talking down all the other solutions” offered elsewhere that might provide better outcomes.

Like bankruptcy, for example.

As opposed to sales reps operating on commission, bankruptcy attorneys are debt-relief professionals vetted through long training and stringent licensing requirements. Moreover, they have a legal duty to always act in the best interests of their clients.

And that makes them the optimal go-to contact for any debtor seeking counsel regarding financial challenges, states Rhode.

“Bankruptcy is the fastest way to get a fresh start for the least amount of money,” he says.