I strongly believe that people have to take responsibility for their actions, specially when it comes to our finances, and part of that responsibility is to educate yourself before going into debt. Most Americans do not have the slightest clue about the legality and structure of financial debt and the banks know it and use this "mass ignorance" to basically rob the American consumer (with the blessing of our government and and scum politicians of curse).
I came across this videos made by a guy named Aaron Englert and he has some very interesting videos on his website that help bring light to debt and finacial problems. They show you how to lower interest rate and how to deal with credit card debt.