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  3. Millions of individuals all around the world are in over their heads in debt. Debt can turn an individual or their family’s life

Millions of individuals all around the world are in over their heads in debt. Debt can turn an individual or their family’s life

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问题     Millions of individuals all around the world are in over their heads in debt. Debt can turn an individual or their family’s life upside down. Without the proper help from experienced professionals, many individuals only end up causing more damage to their credit.
    Individuals or families in debt run the risk of loosing their home, vehicles, or other assets. Many of those who do not own a home or other obtainable assets are likely to never be able to own one. All of the debt that an individual owes appears on a credit report. Credit reports are used by financial institutions when a loan has been requested. The higher the score is the better looking your credit appears and vice versa. Many individuals or families with a large amount of debt have a low credit score; therefore, they are generally unable to receive loans or credit cards.
    There are numerous groups, individuals, or products on the market that are designed to help individuals dig their way out of and recover from debt. Although these products are available, there are still thousands of individuals that choose not to receive assistance. It is true that some individuals may be able to recover from debt on their own; however, it will likely take a large amount of time and stress. Let’s face it, some individuals are just too ashamed to ask for help. If you are one of those individuals, a man by the name of Rick Miller may be able to help.
    Rick Miller is a former manger of a credit bureau; therefore, he is familiar with the ins and outs of making your way out of debt. Mr. Miller has developed a credit repair system that, if used effectively, is proven to help improve your credit score. His credit repair system is unlike any other on the internet. He has the history and work experience to back up this claims and helpful tips. If you are unsure whether purchasing this credit repair system is the best choice for you, sign up for the free newsletter that is offered and keep on reading.
    The Federal Trade Commission, commonly referred to as the FTC, is a federal program that tries to operate in the best of businesses and consumers. The FTC also offers resources for individuals or businesses who are trying to escape from their growing debt. Credit counseling programs are designed to help individuals recover from debt by working with creditors to eliminate interest rates and possibly to develop a monthly payment plan. These credit counseling programs are often non-profit and generally offer debt ridden individuals assistance; however, there are a lot of programs that are scamming individuals who are only seeking help. On their website, the FTC warns individuals of fraudulent credit counseling programs. Although many credit counseling companies are legitimate, using the wrong company can land you in more debt that you were in before.
    Debt can cause stress, health problems, and even tear an otherwise healthy family apart. If you are suffering from debt, do not suffer any longer than you have to. Obtain assistance today. (517 words)
What can be inferred from the passage?
选项 A、The writer of the passage is Rick Miller himself or the person of his company.
B、The passage is the statement of a bank or a financial institution.
C、Credit counseling companies can help individuals out of debt.
D、Most people prefer solving the debt problem themselves to going to any institution.
答案A
解析 从第三段最后一句的口吻可以判断出，作者就是该咨询公司的老板，即Rick Mille本人。
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