Personal responsibility is not even seen as a worthy goal in some segments of our population. Very sad.
For the better part of five years I have been getting junk mail for high fee / high interest rate credit cards AND letters from debt settlement companies that want to settle unsecured debt for pennies on the dollar.
I always call these companies and ask my name be removed from their mailing lists.
Most of the time they are polite and comply. Sometimes they aren't.
Once such company is Debt Advisors of America. When I called and asked my name to be removed from the mailing list, the person on the phone asked "so you're okay with high interest debt?"
I replied, "well, I don't have that type of unsecured debt and if I don't pay off the balance in full every month, I pay 2-3x the amount of the minimum payment due plus any interest payment.
The sales person made it clear that I was not responsible for my debt and that the credit card companies are to blame.
I reiterated to remove my name from their mailing list. His snarky response was "enjoy your high credit card monthly payments". I replied I have the means to make those payments.
They're one of a group of nasty companies that use every trick in the book to scare people and also to make them think that people are not responsible to pay off their unsecured debt.
Here's the other warning about such companies. When I looked them up online before I called, I saw complaints about how they will tell people who enroll in their debt settlement program to stop making monthly credit card payments, so that companies are incentivized to settle debt for 1/3-2/3 of the original amount due.
The problem is some credit card companies won't do that - they willl opt to sue you for the full amount. I had a friend at a former job site who was faced with that. I advised him once he was process served a complaint to see an attorney immediately. He was able to enter into a payment agreement with the credit card company and avoided wage garnishment.