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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 cr...

>> reporter: that's right. why not. >> yeah, yeah. what about folks -- how do you want to get started? maybe with folks who don't have a job right now, gerri? >> reporter: yeah, let's go there. to find jobs you actually have to follow the money. go to recovery.gov, that's a government website designed to track stimulus money and a feature called track the money. this is a database of grant recipients meaning companies that may soon be hiring and the federal agency that awarded the funds. you can scan by state to find projects near you. it also provided funding for green jobs. check out online ...

They have got a website, nfcc.org. you'll be hooked up with a counselor who can put you on a debt management plan. take advantage of free budget software and ment.com. using these can give you a bigger picture of your financial help. you can start planning the way you should for your future. but if you are in deep, deep trouble get a debt counselor. of course if you have any questions send them to me at gerri@cnn.com. we love to hear from you. >> thank you, gerri. good to see you again. we, of course, are hearing from you about the stimulus project. you have been e-mailing and tweeting josh....

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