With the holiday shopping season well underway, the spirit of giving to family, friends and just causes comes with a high cost. According to creditcards.com, the total U.S. consumer debt stands at $2.43 trillion for 2011, and falling into debt during the holidays is a reality for many. In fact, the National Retail Federation found that Americans spent $52 billion on Black Friday shopping this year.

As a leading consumer advocate (), well-respected debt collector and bestselling author (Out of Control: Cases of Debt-Collection Abuse in America & What We Can Do About It), Bartmann is available to help your readers avoid holiday spending mishaps.

Beware of the phony debt collector…
These days, falling behind on some bills is the new normal since so many people are juggling unemployment checks or part time salaries. B

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